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Savings Month Campaign - Starting saving today Campaign

Consumer Rights
 

Money Smart Week South Africa.

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Consumer Month Campaign 

 

Credit Bureau Monitor (CBM)

 

Credit Bureau Monitor - Fourth Quarter | December 2022

  1. The information re ected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2018 to December 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q3 2007 - Q4 2022
 
Credit Bureau Monitor - Third Quarter | September 2022

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q3 2007 - Q3 2022
 
Credit Bureau Monitor - Second Quarter | June 2022

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q3 2007 - Q2 2022
 
Credit Bureau Monitor - First Quarter | March 2022

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005
  2. CBM data Q3 2007 - Q1 2022.xlsx
 
Credit Bureau Monitor - Fourth Quarter | December 2021

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q3 2007 - Q4 2021
 
Credit Bureau Monitor - Third Quarter | September 2021

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q3 2007 - Q3 2021
 
Credit Bureau Monitor - Second Quarter | June 2021

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q3 2007 - Q2 2021
 
Credit Bureau Monitor - First Quarter | March 2021

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q3 2007 - Q1 2021
 
Credit Bureau Monitor - Fourth Quarter | December 2020

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q3 2007 - Q4 2020
 
Credit Bureau Monitor - Third Quarter | September 2020

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q3 2020
 
Credit Bureau Monitor - Second Quarter | June 2020

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q2 2020
 
Credit Bureau Monitor - Fourth Quarter | December 2019

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q4 2019
 
Credit Bureau Monitor - Third Quarter | September 2019

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q3 2019
 
Credit Bureau Monitor - Second Quarter | June 2019

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q2 2019
Credit Bureau Monitor - First Quarter | March 2019

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q1 2019
 
Credit Bureau Monitor - Fourth Quarter | December 2018

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q3 2018
 
Credit Bureau Monitor - Third Quarter | September 2018

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q3 2018
 
Credit Bureau Monitor - Second Quarter | June 2018

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q1 2018.xlsx
 
Credit Bureau Monitor - First Quarter | March 2018

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q1 2018
 
Credit Bureau Monitor - Fourth Quarter | December 2017

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q4 2017
 
Credit Bureau Monitor - Third Quarter | September 2017

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q3 2017
 
Credit Bureau Monitor - Second Quarter | June 2017

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q2 2007 - Q2 2017
 
Credit Bureau Monitor - First Quarter | March 2017

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q12017
 
Credit Bureau Monitor - Fourth Quarter | December 2016

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM Data December 2017
 
Credit Bureau Monitor - Third Quarter | September 2016

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q32016
 
Credit Bureau Monitor - Second Quarter | June 2016

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q22016
 
Credit Bureau Monitor - First Quarter | March 2016

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q12016
 
Credit Bureau Monitor - Fourth Quarter | December 2015

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q42015
 
Credit Bureau Monitor - Third Quarter | September 2015

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q32015
 
Credit Bureau Monitor - Second Quarter | June 2015

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q22015
 
Credit Bureau Monitor - First Quarter | March 2015

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q12015
 
Credit Bureau Monitor - Fourth Quarter | December 2014

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data Q22007 - Q42014
 
Credit Bureau Monitor - Third Quarter | September 2014

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data 2007 - 2014
 
Credit Bureau Monitor - Second Quarter | June 2014

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.
  2. CBM data 2007 - 2014
 
Credit Bureau Monitor - First Quarter | March 2014

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005
  2. CBM data 2007 - 2014
 
Credit Bureau Monitor - Fourth Quarter | December 2013

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...
  2. CBM data 2007 - 2013
 
Credit Bureau Monitor - Third Quarter | September 2013

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...
  2. CBM data 2007 - 2013
 
Credit Bureau Monitor - Second Quarter | June 2013

  1. The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...
  2. CBM data 2007 - 2013
 
Credit Bureau Monitor - First Quarter | March 2013

  1. Credit bureaus create consumer credit profiles based on credit information received from credit providers...
  2. CBM data 2007 - 2013
 
Credit Bureau Monitor - Fourth Quarter | December 2012

  1. Credit bureaus create consumer credit profiles based on credit information received from credit providers...
  2. CBM data 2007 - 2012
 
Credit Bureau Monitor - Third Quarter | September 2012

  1. Credit bureaus create consumer credit profiles based on credit information received from credit providers...
  2. CBM data 2007 - 2012
 
Credit Bureau Monitor - Second Quarter | June 2012

  1. Credit bureaus create consumer credit profiles based on credit information received from credit providers...
  2. CBM data 2007 - 2012
 
Credit Bureau Monitor - First Quarter |March 2012

  1. View the Credit Bureau Monitor
  2. CBM data 2007 - 2012
 
Credit Bureau Monitor - Third Quarter | September 2011

  1. View the Credit Bureau Monitor
  2. View the Appendix
 
Credit Bureau Monitor - Second Quarter | June 2011

  1. View the Credit Bureau Monitor
  2. View the Appendix
 
Credit Bureau Monitor - First Quarter | March 2011

  1. View the Credit Bureau Monitor
  2. View the Appendix
 
Credit Bureau Monitor - Fourth Quarter | December 2010

  1. View the Credit Bureau Monitor
  2. View the Appendix
 
Credit Bureau Monitor - Third Quarter | September 2010

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Third Quarter | September 2010

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Second Quarter | June 2010

  1. View the Credit Bureau Monitor
  2. View the Appendix
 
Credit Bureau Monitor - First Quarter | March 2010

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Fourth Quarter | December 2009

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Third Quarter | September 2009

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Second Quarter | June 2009

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - First Quarter | March 2009

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Fourth Quarter| December 2008

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Third Quarter | September 2008

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Quarter 2 | June 2008

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Quarter 1 | March 2008

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary )

  1. View the Credit Bureau Monitor
 
Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report )

  1. View the Credit Bureau Monitor

Consumer Credit Market Report (CCMR)

Consumer Credit Market Report - Fourth Quarter | December 2022

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2022Q4
 

Consumer Credit Market Report - Third Quarter | September 2022

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2022Q3
 

Consumer Credit Market Report - Second Quarter | June 2022

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2022Q2
 

Consumer Credit Market Report - First Quarter | March 2022

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR CCMR Web-Dataset 2007Q4 to 2022Q1
 

Consumer Credit Market Report - Fourth Quarter | December 2021

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2021Q4
 

Consumer Credit Market Report - Third Quarter | September 2021

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2021Q3
 

Consumer Credit Market Report - Second Quarter | June 2021

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx
 

Consumer Credit Market Report - First Quarter | March 2021

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2021Q1
 

Consumer Credit Market Report - Fourth Quarter | December 2020

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2020Q4
 

Consumer Credit Market Report - Third Quarter | September 2020

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2020Q3
 

Consumer Credit Market Report - Second Quarter | June 2020

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2020Q2
 

Consumer Credit Market Report - Fourth Quarter | December 2019

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2019Q4
 

Consumer Credit Market Report - Third Quarter | September 2019

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2019Q3
 

Consumer Credit Market Report - Second Quarter | June 2019

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. CCMR Web-Dataset 2007Q4 to 2019Q2
 

Consumer Credit Market Report - First Quarter | March 2019

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..
  2. CCMR Web-Dataset 2007Q4 to 2019Q1
 

Consumer Credit Market Report - Fourth Quarter | December 2018

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..
  2. CCMR Web-Dataset 2007Q4 to 2018Q4
 

Consumer Credit Market Report - Third Quarter | September 2018

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007Q4 to 2018Q3
 

Consumer Credit Market Report - Second Quarter | June 2018

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007Q4 to 2018Q2
 

Consumer Credit Market Report - First Quarter | March 2018

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007Q4 to 2018Q1
 

Consumer Credit Market Report - Fourth Quarter | December 2017

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007Q4 to 2017Q4
 

Consumer Credit Market Report - Fourth Quarter | December 2016

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.
  2. Web-Dataset 2007-Q4 to 2016-Q4
 

Consumer Credit Market Report - Third Quarter | September 2016

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007-Q4 to 2016-Q3
 

Consumer Credit Market Report - Second Quarter | June 2016

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.
  2. Web-Dataset 2007-Q4 to 2016-Q2
 

Consumer Credit Market Report - First Quarter | March 2016

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006
  2. Web-Dataset 2007 - Q4 to 2016-Q1
 

Consumer Credit Market Report - Fourth Quarter | December 2015

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006
  2. Web-Dataset 2007 - Q4 to 2015-Q4
 

Consumer Credit Market Report - Third Quarter | September 2015

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006
  2. Web-Dataset 2007 - Q2 to 2015-Q3
 

Consumer Credit Market Report - Second Quarter | June 2015

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006
  2. Web-Dataset 2007 - Q4 to 2015-Q2
 

Consumer Credit Market Report - First Quarter | March 2015

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006
  2. Web-Dataset 2007 - Q4 to 2015-Q1
 

Consumer Credit Market Report - Fourth Quarter | December 2014

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006
  2. Web-Dataset 2007 - Q4 to 2014-Q4
 

Consumer Credit Market Report - Third Quarter | September 2014

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006
  2. Web-Dataset 2007 - Q4 to 2014 - Q4
 

Consumer Credit Market Report - Second Quarter | June 2014

  1.  This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.
  2. Web-Dataset 2007-Q4 to 2014-Q2
 

Consumer Credit Market Report - First Quarter | March 2014

  1. This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007 - Q4 to 2014 - Q1
 

Consumer Credit Market Report - Fourth Quarter | December 2013

  1. This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006
  2. Web-Dataset 2007 - Q4 to 2013 - Q4
 

Consumer Credit Market Report - Third Quarter | September 2013

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007-Q2 to 2013-Q2
 

Consumer Credit Market Report - Second Quarter | June 2013

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007-Q2 to 2013-Q2
 

Consumer Credit Market Report - Fourth Quarter | December 2012

  1. This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006. 
  2. Web-Dataset CBM data 2007-Q4 to 2012-Q4
 

Consumer Credit Market Report - Third Quarter | September 2012

  1. This report and its appendix represent the analysis of quarterly data of the South African  consumer credit market in terms of the National Credit Act which came into effect in June 2006.
  2. Web-Dataset 2007-Q4 to 2012-Q3

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