IBanxso, IMedbond, kunye neSteinhoff zinyuse izohlwayo zeFSCA zafikelela kwi-R2.9bn

I Financial Sector Conduct Authority ibeke phantse i-R2.9 yeebhiliyoni kwizohlwayo zolawulo ngonyaka ukuya kwi-31 kweyo Kwindla kulo nyaka ka -2026, ukwanda okubukhali okuqhutywa ikakhulu ngamatyala amathathu, izenzo ezibalulekileyo zokusetyenziswa gwenxa kweemarike, kunye nokusilela kokuthotyelwa koMthetho weZiko lezobuNtlola kwezeMali (Financial Intelligence Centre Act).

Ingxelo yesine yonyaka ye-FSCA’s Regulatory Actions ibonisa ukuba izohlwayo zolawulo zinyuke zaya kutsho kwi-R2 888 679 904, ukusuka kwi-R119.8 yezigidi kwixesha elidlulileyo lokunika ingxelo. Izohlwayo zabekwa kubantu abayi-76 kunye namaqumrhu kumatyala ayi-62.

Umkomishinala we-FSCA u-Unathi Kamlana uxelele intlanganiso yeendaba ngomhla we-31 ka Julayi ukuba ingxelo ibe sisixhobo esibalulekileyo esicacileyo, esidibanisa amanyathelo okunyanzeliswa komthetho asele ekwindawo kawonke-wonke ukuze kubonakale ngokucacileyo iindawo ezijolise kuzo zolawulo, iindlela zokunyanzeliswa komthetho, kunye nokusetyenziswa kwezixhobo kulo nyaka.

UKamlana uthe ukunyanzeliswa komthetho kuyinxalenye yoluhlu olubanzi lwezenzo zolawulo ezisetyenziselwa ukubonelela ngendlela esekwe kumngcipheko kwaye igxile kwiziphumo zokuqhuba ulawulo kunye nokubeka esweni.

Uthe i-FSCA ithumela izixhobo zayo ezinqongopheleyo kwiindawo apho ziya kuba nefuthe elikhulu khona, ingakumbi ukuziphatha kakubi okubeka umngcipheko omkhulu wokwenzakala kubathengi bezemali okanye okunefuthe elibi kwintembeko yemarike kunye nokuzithemba kwicandelo lezemali.

Enikezela ingxelo, uGerhard van Deventer, umphathi wecandelo: lonyanzeliso (divisional executive: enforcement), uthe indlela yokunyanzeliswa kweGunya isekelwe “kukunyanzeliswa okuthembekileyo, okufike ngexesha, nokulinganayo”, nto leyo athi ibalulekile ekusombululeni ukuziphatha kakubi nokugcina ukuthembana kwicandelo lezemali.

UVan Deventer uthe umlawuli akanaso “isohlwayo esinye esisetyenziswa kuzo zonke iimeko”, koko uqwalasela ukuba sesiphi isohlwayo, okanye indibaniselwano yezohlwayo, eya kujongana ngcono nokuziphatha gwenxa.

Uphando oluthe kratya lugqityiwe

I-FSCA igqibe uphando olungama-678 ngo-2025/26, ukusuka kuma-633 ngo-2024/25 kunye nama-430 ngo-2023/24. Uphando oluqhubekayo lwehle lwaya kuma-340, ukusuka kuma-494 ngo-2024/25 kunye nama-360 ngo-2023/24.

I-FSCA igqibezele uphando oluyi-678 ngo-2025/26, ukusuka ku-633 ngo-2024/25 kunye ne-430 ngo-2023/24. Uphando oluqhubekayo lwehle lwaya kutsho ku-340, ukusuka kwi-494 ngonyaka-2024/25 ne 360 phakathi konyaka ka-2023/24. Amatyala amatsha ehlile ukuya kwi-524, ukusuka ku-767 kunyaka ophelileyo, nangona ahlala engaphezulu kwamatyala amatsha ayi-483 arekhodiweyo ngonyaka ka 2023/24.

Ingxelo ithi ukwanda kophando olugqityiweyo kwaphunyezwa nangona kukho ukungena okuzinzileyo kwezikhalazo kunye nemiba emitsha. Ibalele ukuphucuka kokusebenza kakuhle, indlela yonyanzeliso esekwe emngciphekweni kunye neqhutywa yidatha, ukusetyenziswa okuphuculweyo kobukrelekrele kunye nohlalutyo, kunye nokwanda kwamandla okunyanzelisa.

Imiba yoMthetho we-FAIS ibalele esona sabelo sikhulu sophando olugqityiweyo. I-FSCA igqibezele uphando lwe-FAIS lwe-515 (FSCA finalised 515 FAIS), xa kuthelekiswa ne-347 yango-2024/25 kunye ne-265 ngo-2023/24.

Uphando loMthetho we-Inshorensi lubalule imiba eyi-68 egqityiweyo, ukusuka kwi-131 ngo-2024/25 kwaye ilingana ne-68 ebhalwe ngo-2023/24. Ukugqitywa korhwebo lwangaphakathi kwehle ukuya kwi-19, ukusuka kwi-41 kunyaka ophelileyo, ngelixa ukugqitywa korhwebo olungavumelekanga kwehle ukuya kwi-10, ukusuka kwi-23.

Ingxelo ithi iimeko ezinempembelelo enkulu kubathengi bezemali, ngakumbi abo babandakanya abantu abasesichengeni okanye abarhanelwa ukuba baziphatha kakubi ngamaqumrhu alawulwayo, ziyaqhubeka nokubekwa phambili.

I-FSCA ikwadlulisele imiba engama-46 kwiNkonzo yamaPolisa oMzantsi Afrika ngexesha lophononongo kwaye incedisa kuphando lolwaphulo-mthetho olusebenzayo kunye nokutshutshisa.

Izohlwayo zigxininiswe kwiimeko ezinkulu

Nangona ixabiso lilonke lezohlwayo linyuke kakhulu, uVan Deventer uthe ukunyuka akuzange kusasazeke ngokulinganayo kuwo wonke umsebenzi wokunyanzeliswa kweFSCA’. Uthe izohlwayo zoMthetho we-FAIS ziqhutywa ikakhulu ngamatyala amabini amakhulu, i-Banxso kunye ne-Medbond, ngelixa inani lokuxhatshazwa kweemarike liqhutywa kakhulu linyathelo lonyanzeliso olunxulumene ne-Steinhoff.

Izohlwayo zoMthetho we-FAIS zonyuke zaya kutsho kwi-R2.478 yeebhiliyoni, ukusuka kwi-R82.4m ngonyaka ka-2024/25. Izohlwayo zeFinancial Intelligence Centre Act zinyuke zaya kutsho kwi-R20.05m, ukusuka kwi-R16.985m kunyaka ophelileyo, ngelixa izohlwayo zoMthetho we-Inshurensi zinyuke zaya kutsho kwi-R24.9m, ukusuka kwi-R17m. Izohlwayo zokusetyenziswa gwenxa kwemarike ziphelele kwi-R361.5m ngo-2025/26.

U-Kamlana uthe umbuzo othi “uhlala uvela” xa i-FSCA ipapasha ingxelo okanye ibeka izohlwayo zolawulo kukuba ngaba izohlwayo zolawulo ziyabuyiswa.

Uthe i-FSCA ilandela zonke iindlela ezifanelekileyo nezisemthethweni zokubuyisela izohlwayo kuba kufuneka yenze njalo phantsi koMthetho woLawulo lweMali kaRhulumente. Kodwa ukuchacha akusoloko kusenzeka, ngakumbi apho iqumrhu litshona khona, lingena ekubhangisweni, okanye apho kuvela ezinye iingxaki zomthetho. Oku, wathi, akukunciphisi ukubaluleka kwezohlwayo zolawulo njengesixhobo sokulawula ukubamba abenzi bobubi baphendule, ukuthintela ukuziphatha kakubi kwixesha elizayo, kunye nokuqinisa ukuzithemba kwimfezeko yecandelo lezemali.

I-Banxso: i-deepfakes, ii-CFD, kunye nemali yabathengi

Eyona nto yayinzima kakhulu ekunyanzeliseni umthetho yayilinyathelo le-elichasene neBanxso (Pty) Ltd, elalibandakanya intengiso enzulu, iikhontrakthi zomahluko (contracts for difference-CFD), umsebenzi ongagunyaziswanga wokufumana imali ngaphandle kwekhawuntara, kunye nokusetyenziswa gwenxa kwemali yabathengi.

I-FSCA yavula uphando lwayo ngoMatshi ka-2024 emva kokufumana ulwazi malunga nokusetyenziswa kweentengiso ezinzulu. Ingxelo ithi u-Banxso uye wasebenzisa kakubi izazisi zabantu abaziwayo ukukhuthaza utyalo-mali olunobuqhophololo kwi-intanethi olubizwa ngokuba yi-Immediate Matrix. Abantu abaphendule kwiintengiso baphinde babhekiswa kubameli be-Banxso kwaye bakhuthazwa ukuba bathengise ngokukodwa kwii-CFD, apho i-FSCA ichaze njengezixhobo eziyinkimbinkimbi, ezinobungozi obuphezulu ezithathwa njengezingafanelekanga kubatyalo-mali abaninzi.

Uphando lufumanise ukuba imali yabathengi ayizange ibekwe kubaboneleli bemali abasemthethweni okanye ababoneleli abagunyazisiweyo abaphuma ngaphandle kwekhawuntara. Endaweni yoko, imali yayilawulwa ngaphakathi yiBanxso, yaxutywa, yadluliselwa phakathi kwee-akhawunti ezingamiselwanga, kwaba nzima ukuyilandelela, kwaye yasetyenziswa gwenxa kwiindleko zobuqu nezeshishini.

I-FSCA ibeke isohlwayo solawulo se-R2bn ngokudibeneyo nangokunqunywayo kwi-Banxso nakubantu ababini. Ikwabeke izohlwayo ezongezelelweyo ze-R16m kwi-Banxso, i-R20m ku-Manuel de Andrade, i-R10m ku-Mohammed Bux, kunye ne-R5m ku-Henry Simpson.

I-FSCA ibeke isohlwayo solawulo se-R2bn ngokubambisana nangokuhlukeneyo kuBanxso kunye nabantu ababini. Ikwabeke isohlwayo esongezelelweyo se-R16m kuBanxso, i-R20m kuManuel de Andrade, i-R10m kuMohammed Bux, kunye ne-R5m kuHenry Simpson.

Ilayisensi ye-FSP ye-Banxso’ yarhoxiswa. UHarel Sekler, uWarwick Sneider, uDe Andrade, noBux bathintelwa iminyaka eyi -30, ngoxa uSimpson wayevalelwe iminyaka elishumi (10).

NgoDisemba ka-2025, iNkundla yeeNkonzo yeZimali yasichitha isicelo sokuqwalaselwa kwakhona kokurhoxiswa kwelayisensi ye-Banxso’. NgoFebruwari ka-2026, aba bantu bahlanu bafaka izicelo zokuphinda ziqwalaselwe malunga nokuthotywa kunye nezohlwayo. Le miba isalindile.

UVan Deventer uthe eli tyala lixhalabisa kakhulu kuba iBanxso yayiliqumrhu elinelayisensi. Ngokombono wakhe, kamva yaba “infiltrated” kwaye idityaniswe nentengiso enzulu.

Uthe eli tyala libonisa ukuba impendulo yeFSCA’ ayikohlwaywa nje kuphela, kuba ukurhoxiswa kwelayisensi kunye nokuthotywa kwexesha elide kujoliswe ekukhuseleni uluntu ngokususa abantu abangafanelekanga kweli shishini.

I-FSCA yathumela iziphumo zayo kunye nobungqina obuxhasayo kwiCandelo loPhando loLwaphulo-mthetho oluPhambili (ooKhetshe), ukuxhasa amatyala olwaphulo-mthetho anokubakho.

INkundla ePhakamileyo yaseNtshona Koloni yabeka iBanxso ekubhangisweni kokugqibela ngoMatshi ka-2026.

UVan Deventer uthe iFSCA iye yaya kwiFinancial Intelligence Centre ukuze imise malunga ne-R100m esasazeke kwiiakhawunti ezininzi zebhanki kwaye incedise iYunithi yokuThinjwa kweAsethi ekufumaneni umyalelo wolondolozo, emva koko imali yatshintshelwa kumthengisi.

Uthe i-FSCA inokubonelela ngolwazi, kubandakanywa nengxelo yophando, apho inokunceda khona inkundla, kodwa ayilawuli inkqubo yokupheliswa.

Medbond: imveliso yotyalo-mali eyinkohliso

Ityala lesibini elikhulu elinxulumene ne-FAIS libandakanya i-Medbond Insurance Brokers (Pty) Ltd kunye namaqumrhu anxulumeneyo kunye nabantu ngabanye.

I-FSCA iphande izikhalazo ezivela kubatyali-mali malunga notyalo-mali oluququzelelwa yi-Inshurensi ye-Medbond. Ifumanise ukuba abathengi baye banyanzelwa ukuba batyale imali kwimveliso ye-annuity yexesha elimiselweyo ekutyholwa ukuba ikhutshwe yiLombard International Life Ltd, i-inshurensi esekwe eBermuda. I-Lombard International iqinisekisile ukuba ayizange ikhuphe nayiphi na imveliso enjalo kumaziko e-Medbond kwaye ayizange ibambe imali yabathengi egameni labo.

Iirekhodi zebhanki zibonise ukuba iimali zabatyali-zimali azizange zityalwe kodwa zisetyenziswe gwenxa. I-FSCA ithe abatyali-mali bafumene ilahleko emalunga ne-R194m emva kokulahlekiswa ekubhaliseni imveliso yemali engekhoyo.

IGunya liwise isohlwayo se-R197m ngokudibeneyo nangokunqunywayo kuJacobus Meyer kunye ne-Inshurensi yaseMedbond. Ikwabeke izohlwayo ze-R5m inye kwiiMarike zeMedbond, iMasjamplan, kunye naBaphathi beNgxowa-mali yeMedbond.

I-FSCA yarhoxisa iilayisensi ze-FSP ze-Inshurensi ye-Medbond kunye neeMarike ze-Medbond. UMeyer wagxothwa iminyaka engama-30, ngelixa uFrederick van Heerden wayevalelwe iminyaka emine.

Ingxelo irekhoda ukuba uVan Heerden unikezele ngentsebenziswano ebanzi kunye nezinto eziphathekayo ngexesha lophando, olwanceda i-FSCA ekucaciseni isakhiwo sokusebenza kwesikimu kunye nokulinganisa ilahleko yabathengi. Ithi ubungqina bubonisa ukuba uVan Heerden wayephathise utyalo-mali lwakhe kuMeyer, exhasa isigqibo sokuba wayengazi ngokusetyenziswa kakubi.

UVan Deventer uxelele amajelo eendaba ukuba umcimbi weMedbond unike umzekelo oluncedo malunga nendlela iFSCA enokujongana ngayo nentsebenziswano evela kumntu wangaphakathi, nalapho umcimbi ungaphumeleli kwisivumelwano esisemthethweni sobubele.

Steinhoff: isohlwayo esongezelelweyo kuphando lokuxhatshazwa kweemarike

Uphando lukaSteinhoff luvelise esinye isohlwayo esibalulekileyo apha enyakeni. I-FSCA ibeke isohlwayo solawulo se-R358.75m ku-Stehan Grobler ngendima yakhe ekupapasheni iingxelo zemali ezingeyonyani kwixesha lika-2014 ukuya kwisiqingatha sonyaka ka-2017.

UGrobler ubambe iindima ezininzi eziphezulu eSteinhoff International ngexesha elifanelekileyo, kubandakanya unobhala wenkampani, intloko kanondyebo, umlawuli weenkampani ezincedisayo, kunye nomcebisi wezomthetho wangaphakathi. I-FSCA yafumanisa ukuba yaphula amacandelo 81 (1) (a) kunye nama-81 (1)(b) oMthetho weeMarike zeZimali ngokuthatha inxaxheba kwisikimu esibandakanya iingxelo zemali zonyaka ezilahlekisayo kunye neengxelo ezidibeneyo.

UGrobler ufake isicelo sokuqwalaselwa kwakhona kwiNkundla yeeNkonzo zeZimali, kwaye lo mba usalindile.

UVan Deventer uthe uphando olubanzi lokuxhatshazwa kwemarike yaseSteinhoff alukagqitywa kodwa “isondele kakhulu ukuba igqitywe.

Ukugxothwa kunye namanyathelo elayisensi

I-FSCA iye yathintela abantu abayi-68 emva kophando ngexesha lokunika ingxelo. Ukunganyaniseki kunye nokungaphumeleli okufibene nokuthembeka kwahlala kusesona sizathu siphambili sezi zenzo: ii-debarments eziyi-66 ezidibene  nokungathotyelwa kweempawu zobuntu zokunyaniseka kunye nokunyaniseka, ngelixa ezimbini zihambelana neemfuno zobuchule.

Ii-FSPs zakhupha abameli abayi-1 792 ngokwahlukeneyo, ukusuka kwi-1 879 ngo-2024/25 kodwa ngaphezulu kwe-1 361 erekhodwe ngo-2023/24. Ukunganyaniseki kubalelwa kwi-1 740 ye-2025/26 ye-FSP ekhokelwa yi-debarments, xa kuthelekiswa ne-1 879 ngo-2024/25 kunye ne-1 312 ngo-2023/24.

UVan Deventer uthe ukudilizwa kunye nokutsalwa kwelayisensi kujolise ekususeni abathathi-nxaxheba abangafanelekanga kushishino. Uthe ingqibelelo ihlala isisiseko sokuthatha inxaxheba kweemarike, kwaye abantu kunye namaqumrhu angenayo akufanele abe kwimarike.

I-FSCA yanqumamisa iilayisensi ezingama-31, ukusuka kuma-24 ngo-2024/25, kodwa ngaphantsi kakhulu kokunqunyanyiswa kwe-1 061 okurekhodwe ngo-2023/24. Ukurhoxiswa kwelayisensi kwehle kakhulu ukuya kwi-14, xa kuthelekiswa nama-382 ngo-2024/25 kunye nama-75 ngo-2023/24. Iingxelo ngokutsha zehlile zaya kutsho kwi-12, ukusuka kuma-58 ngo-2024/25 kunye nama-621 ngo-2023/24.

Izikhokelo kunye nezibophelelo ezinyanzeliswayo

I-FSCA ikhuphe imiyalelo eli-11 apha enyakeni. Ezisithoba zakhutshwa kumxholo ochasene nokuthutyeleziswa kwemali (AML), kwaye ezimbini zanikezelwa kwiindawo zokungcwaba eziqhuba ishishini le-inshorensi elingabhaliswanga. Iindawo zokungcwaba zayalelwa ukuba ziyeke ishishini le-inshorensi elingekho mthethweni, zidlulisele abathengi bazo kwiziko elilawulwayo, kwaye zazise abathengi ngophuhliso.

IGunya likwamkele imisebenzi enyanzeliswayo eyi-36, ukusuka kwi-14 ngo-2024/25 kodwa ngaphantsi kwe-41 erekhodwe ngo-2023/24. I-inshurensi yenza imisebenzi enyi-34 ngo-2025/26, xa kuthelekiswa ne-12 yango-2024/25 kunye ne-35 ngo-2023/24, ebonisa ukugxila okuqhubekayo kumatyala anxulumene nomngcwabo.

UVan Deventer uthe izikhokelo kunye nezibophelelo ezinyanzeliswayo zisetyenziswa apho ingozi inokuguqulwa okanye ingxaki yokuthotyelwa ingalungiswa, kwaye apho i-FSCA ingadingi ukuba ibeke izigwebo ezinzima okanye isuse i-firm kwimarike.

I-FSCA ithe izibophelelo ezinyanzeliswayo zihlala zisisixhobo esibalulekileyo kuphando lwendawo yomngcwabo kuba zivumela umlawuli ukuba afune inyathelo lolungiso kwaye ajongane nokusilela kokuthotyelwa ngaphandle kokubhenela kwiinkqubo zokunyanzeliswa kwexesha elide okanye izohlwayo zolawulo.

Izohlwayo ze-AML/FICA

Ukuthotyelwa kwenkxaso-mali echasene nokuthutyeleziswa kwemali kunye nokuchasana nabanqolobi kwahlala kuyindawo ebalulekileyo yonyanzeliso. Izohlwayo ze-FICA ziphelele kwi-R20.05m kumatyala alishumi (10), xa kuthelekiswa ne-R16.985m ngo-2024/25. Kwisixa-mali sika-2025/26, i-R5.35m yanqunyanyiswa ngokwemiqathango.

I-FSCA ichonge ubuthathaka obuqhubekayo obuquka ukusilela ekuqhubeni uVavanyo loMngcipheko woShishino olubanzi, uLawulo loMngcipheko olungonelanga kunye neeNkqubo zokuThotyelwa, ukunqongophala kwenkuthalo yabathengi, kunye nokusilela ekuhloleni ngokuchasene noluhlu lweZohlwayo zeMali ekuJoliswe kuzo.

UVan Deventer ugxininise ukuba iFSCA ayiphandi ukuthutyeleziswa kwemali. Uthe uxanduva luxhomekeke kwezinye ii-arhente, ngelixa indima ye-FSCA’ ikukongamela ukuba amaziko anoxanduva aphantsi kolawulo lwawo aneenkqubo ezifanelekileyo ezikhoyo kwaye athobela iimfuno ze-AML.