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		<lastmod>2016-03-09T09:22:27+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/mg-bhengu-vs-outsurance-fais-ombud-determination/</loc>
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		<loc>https://www.masthead.co.za/download/jacques-du-toit-vs-barrington-insurance-brokers-john-frayne/</loc>
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		<lastmod>2017-09-04T09:09:48+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/financial-sector-regulation-act-no-9-2017/</loc>
		<lastmod>2017-09-04T09:13:47+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/financial-sector-regulation-act-no-9-2017-english/</loc>
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		<lastmod>2017-09-04T09:27:30+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/media-statement-second-draft-amendments-regulations-draft-withdrawal-notice-exemptions-public-comments/</loc>
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		<loc>https://www.masthead.co.za/download/revised-draft-replacement-short-term-insurance-policyholder-protection-rules/</loc>
		<lastmod>2017-09-06T08:29:52+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/fsb-annual-report-2017/</loc>
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		<loc>https://www.masthead.co.za/download/fais-newsletter-volume-24/</loc>
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		<loc>https://www.masthead.co.za/download/fsb-presentation-unclaimed-benefits/</loc>
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		<lastmod>2017-09-14T11:50:20+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/asisa-retail-standard-effective-annual-cost-eac/</loc>
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		<lastmod>2017-09-26T13:13:53+00:00</lastmod>
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		<lastmod>2017-09-28T13:05:02+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/appeal-board-decision-jessie-tsusi-v-registrar-financial-services-providers/</loc>
		<lastmod>2017-10-03T07:51:13+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/circular-62-2017-standard-guidelines/</loc>
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		<lastmod>2017-10-03T07:55:53+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/notice-guidance-implementation-aspects-financial-intelligence-centre-act/</loc>
		<lastmod>2017-10-03T07:57:36+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/notice-2-2017-new-guidance-amended-reporting-requirements-terms-money-laundering-terrorist-financing-control-regulations/</loc>
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		<loc>https://www.masthead.co.za/download/prudential-standards-explanatory-note/</loc>
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		<loc>https://www.masthead.co.za/download/draft-prudential-standard-gob-governance-operational-standard-branches-foreign-reinsurers/</loc>
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		<lastmod>2017-10-05T07:08:02+00:00</lastmod>
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		<lastmod>2017-10-05T07:11:39+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/guidance-note-7-implementation-various-aspects-fica/</loc>
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		<lastmod>2017-10-13T06:39:41+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/insurance-bill-schedule-1-comment/</loc>
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		<lastmod>2017-10-13T06:45:00+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/circular-64-2017-measuring-quality-outcomes-value-proposition-managed-care-interventions-respect-epilepsy-parkinson-disease/</loc>
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		<lastmod>2017-10-24T08:34:25+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/fsb-press-release-code-conduct-parties-utilising-securities-financing-transactions-sft-south-african-securities-markets/</loc>
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		<lastmod>2017-10-24T08:37:35+00:00</lastmod>
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		<lastmod>2017-10-27T12:40:11+00:00</lastmod>
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		<lastmod>2017-11-02T11:38:40+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/draft-pmb-definition-guidelines-hepatocellular-carcinoma/</loc>
		<lastmod>2017-12-07T11:35:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/bbbee-codes-good-practice-amended-financial-sector-code/</loc>
		<lastmod>2017-12-07T11:36:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/osti-briefcase-issue-no-3-2017/</loc>
		<lastmod>2017-12-07T11:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/appeal-board-decision-chipa-kingsley-baloyi-v-registrar-financial-services-providers/</loc>
		<lastmod>2017-12-12T09:58:51+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fais-newsletter-volume-25/</loc>
		<lastmod>2017-12-12T09:59:21+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/unofficial-fic-act-incorporating-2017-amendments/</loc>
		<lastmod>2017-12-12T09:59:54+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fsb-bulletin-second-quarter-2017/</loc>
		<lastmod>2017-12-12T10:00:27+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/notice-status-directives-guidance-products-issued-financial-intelligence-centre/</loc>
		<lastmod>2017-12-12T10:01:01+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/appeal-board-judgment-abbu-benitsius-insurance-brokers-cc-v-registrar-financial-services-providers/</loc>
		<lastmod>2017-12-15T10:25:13+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/annual-report-registrar-results-long-term-insurance-industry-period-ending-2016/</loc>
		<lastmod>2017-12-15T10:26:06+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/annual-report-registrar-results-short-term-insurance-industry-period-ending-2016/</loc>
		<lastmod>2017-12-15T10:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/government-notices-amended-regulations-long-short-term-insurance-acts-commencement-dates-financial-services-laws-general-amendment-act/</loc>
		<lastmod>2017-12-19T09:46:51+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/guidance-note-guidance-reappointment-debarred-representatives/</loc>
		<lastmod>2017-12-19T09:48:09+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/guidance-note-insurance-conduct-business-returns/</loc>
		<lastmod>2017-12-19T09:48:49+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/media-statement-release-final-insurance-conduct-regulations-policyholder-protection-rules/</loc>
		<lastmod>2017-12-19T09:50:20+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/regulatory-impact-assessment-proposed-amendments-requirements-financial-service-providers/</loc>
		<lastmod>2017-12-19T09:50:53+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/replacement-policyholder-protection-rules-long-term-insurance-act/</loc>
		<lastmod>2017-12-19T09:51:40+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/replacement-policyholder-protection-rules-short-term-insurance-act/</loc>
		<lastmod>2017-12-19T09:52:15+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/response-key-issues-public-comments-draft-regulations-long-short-term-insurance-act/</loc>
		<lastmod>2017-12-19T09:52:44+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/draft-regulations-terms-section-304-financial-sector-regulation-act/</loc>
		<lastmod>2018-01-09T14:27:05+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/circular-1-2018-quarterly-statutory-returns-submission-period-ending-31-december-2017/</loc>
		<lastmod>2018-01-24T12:32:28+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/information-circular-pf-1-2018-reports-ito-sections-7a4-86-94-9a2-13b10-submission-disclosures-registrar-ito-section-9b-pension-funds-act-1956/</loc>
		<lastmod>2018-01-24T12:33:01+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/notice-1-2018-penalties-imposed-terms-section-372/</loc>
		<lastmod>2018-01-24T12:33:37+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/determination-of-requirements-for-reappointment-of-debarred-representatives-bn-82-of-2003/</loc>
		<lastmod>2018-01-29T07:55:24+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/insurance-act-no-18-2017/</loc>
		<lastmod>2018-02-07T13:23:45+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/appeal-board-decision-jc-mostert-v-l-landman/</loc>
		<lastmod>2018-02-07T13:27:40+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/appeal-board-decision-zakir-ahmed-yusuf-v-registrar-financial-services-providers/</loc>
		<lastmod>2018-02-07T13:29:24+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/online-scams/</loc>
		<lastmod>2018-02-07T13:31:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/draft-pcc-38a-mode-communication-regarding-sections-27-32-34-35/</loc>
		<lastmod>2018-02-07T13:34:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-5-2018-induction-programme-brokers/</loc>
		<lastmod>2018-02-13T06:19:36+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/cms-script-issue-1-2018/</loc>
		<lastmod>2018-02-13T06:22:50+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/determination-fees-payable-registrar-financial-services-providers/</loc>
		<lastmod>2018-02-14T08:57:25+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-6-2018-review-prescribed-minimum-benefits-update-call-inputs/</loc>
		<lastmod>2018-02-16T07:36:49+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-7-2018-categorisation-assets-terms-annexure-b-regulations/</loc>
		<lastmod>2018-02-16T07:39:41+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/draft-pmb-definition-guideline-medical-nutrition-therapy-palliative-care-adults/</loc>
		<lastmod>2018-02-16T07:42:52+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fais-information-circular-1-2018-update-regulatory-examinations/</loc>
		<lastmod>2018-02-16T07:44:34+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/board-notice-25-2018-st-penalty-failure-furnish-registrar-returns/</loc>
		<lastmod>2018-03-07T11:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/board-notice-26-2018-lt-penalty-failure-furnish-registrar-returns/</loc>
		<lastmod>2018-03-07T11:13:11+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-11-2018-healthcare-utilisation-annual-statutory-return-financial-year-ending-31-december-2017/</loc>
		<lastmod>2018-03-07T11:13:57+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-12-2018-prescribed-isae-3000-revised-auditor-report-template/</loc>
		<lastmod>2018-03-07T11:14:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-13-2018-annual-statutory-returns-financial-year-ended-31-december-2017/</loc>
		<lastmod>2018-03-07T11:15:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/insurance-st-notice-1-2018-termination-registration/</loc>
		<lastmod>2018-03-07T11:15:56+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/appeal-board-decision-audenberg-versekering-makelaars-bk-tobias-van-zyl-v-hannes-waterboer/</loc>
		<lastmod>2018-03-07T11:19:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/appeal-board-decision-johan-marais-financial-services-cc-johan-marais-v-andries-petrus-britz-maria-christina-britz/</loc>
		<lastmod>2018-03-07T11:20:41+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/media-release-outcomes-february-2018-meeting-financial-action-task-force/</loc>
		<lastmod>2018-03-07T11:21:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/money-laundering-typologies-indicators/</loc>
		<lastmod>2018-03-14T07:12:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/pcc-38a-mode-communication-regarding-sections-27-32-34-35-fica/</loc>
		<lastmod>2018-03-14T07:13:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/directive-8-prohibition-acceptance-gratification/</loc>
		<lastmod>2018-03-15T07:17:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/insurance-lt-notice-1-2018-long-term-insurance-fees/</loc>
		<lastmod>2018-03-15T07:17:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/insurance-st-notice-2-2018-short-term-insurance-fees/</loc>
		<lastmod>2018-03-15T07:18:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/information-circular-pf-no-4-of-2018-urgent-clarification-on-the-effective-date-of-directive-pf-no-8-prohibition-on-the-acceptance-of-gratification/</loc>
		<lastmod>2018-03-23T07:16:48+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fais-notice-24-of-2018-exemption-of-underwriting-managers-from-the-regulatory-examination-requirements-2018/</loc>
		<lastmod>2018-04-11T07:16:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsra-commencement-dates/</loc>
		<lastmod>2018-04-11T07:18:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/implementation-of-the-amendments-to-fica/</loc>
		<lastmod>2018-04-11T07:19:51+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/re5-preparation-guide/</loc>
		<lastmod>2018-05-14T08:04:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/re1-preparation-guide/</loc>
		<lastmod>2018-05-14T08:06:25+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/re3-preparation-guide-2/</loc>
		<lastmod>2018-05-17T14:13:44+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/re4-preparation-guide-2/</loc>
		<lastmod>2018-05-17T14:14:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/osti-briefcase-issue-no-1-of-2018/</loc>
		<lastmod>2018-06-05T09:36:53+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/osti-media-release-misrepresentation-non-disclosure-dishonesty-and-fraud-by-policyholders/</loc>
		<lastmod>2018-06-05T09:37:59+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fais-newsletter-volume-26/</loc>
		<lastmod>2018-06-05T09:45:47+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fic-typologies/</loc>
		<lastmod>2018-06-05T09:47:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prevalence-of-chronic-diseases-in-the-population-covered-by-medical-schemes-in-south-africa/</loc>
		<lastmod>2018-06-05T09:48:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-21-of-2018-impact-of-vat-increase-in-the-medical-schemes-industry/</loc>
		<lastmod>2018-06-05T09:51:09+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/board-notice-52-of-2015/</loc>
		<lastmod>2018-06-06T07:30:28+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/invitation-to-comment-on-proposed-conduct-of-business-report/</loc>
		<lastmod>2018-06-11T12:47:29+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/draft-conduct-of-business-report/</loc>
		<lastmod>2018-06-11T12:52:45+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/draft-annexures-for-conduct-of-business-report/</loc>
		<lastmod>2018-06-11T12:53:44+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fsca-fais-notice-17-of-2018-form-and-manner-of-section-14-notifications/</loc>
		<lastmod>2018-06-11T13:02:17+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/financial-services-tribunal-rules/</loc>
		<lastmod>2018-06-11T13:03:03+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/circular-27-of-2018-quarterly-statutory-returns-submission-for-2018/</loc>
		<lastmod>2018-06-11T13:04:17+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/annual-edition-cmscript-complete-a-collection-of-all-the-cmscripts-for-2017/</loc>
		<lastmod>2018-06-11T13:05:07+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/cms-news-issue-1-of-2018-fraud-in-the-medical-schemes-industry/</loc>
		<lastmod>2018-06-15T09:40:14+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-25-of-2018-demarcation-exemption-system/</loc>
		<lastmod>2018-06-15T09:41:04+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-26-of-2018-proposed-irba-medical-schemes-auditing-guide-published-for-comment/</loc>
		<lastmod>2018-06-15T09:42:02+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/circular-28-of-2018-general-concerns-noted-during-the-analysis-of-the-2017-annual-financial-statements-afs-and-annual-statutory-returns-asr/</loc>
		<lastmod>2018-06-18T07:32:30+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/financial-services-tribunal-decision-neluhenis-insurance-brokers-and-mudzili-daniel-neluhenis-v-financial-sector-conduct-authority/</loc>
		<lastmod>2018-06-18T07:34:31+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-29-of-2018-standards-for-authorisation-of-auditors-and-ifrs-advisers/</loc>
		<lastmod>2018-07-04T12:18:53+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/press-release-4-of-2018-council-for-medical-schemes-encourages-stakeholders-to-participate-in-the-medical-schemes-amendment-bill-process/</loc>
		<lastmod>2018-07-04T12:20:36+00:00</lastmod>
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	<url>
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		<lastmod>2018-07-04T12:21:39+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/draft-medical-schemes-amendment-bill-2018/</loc>
		<lastmod>2018-07-04T12:22:51+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/commencement-date-of-the-insurance-act-18-of-2017/</loc>
		<lastmod>2018-07-04T12:23:41+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/d-j-mbetse-v-model-insurance-company/</loc>
		<lastmod>2018-07-05T14:08:21+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/d-r-cunningham-v-liversage-financial-services/</loc>
		<lastmod>2018-07-05T14:09:47+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/e-van-dyk-v-t-h-makelaars-and-t-herselman/</loc>
		<lastmod>2018-07-05T14:10:55+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/g-goeiman-v-rekathusa-funeral-parlour-and-j-dada/</loc>
		<lastmod>2018-07-05T14:12:03+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/j-c-muller-and-w-muller-v-impectus-brokers-financial-services-cc-and-2-others/</loc>
		<lastmod>2018-07-05T14:12:51+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/s-ryalls-v-van-strijp-financial-advisors-cc-and-a-van-strijp/</loc>
		<lastmod>2018-07-05T14:13:41+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/board-notice-89-of-2018-form-of-licence/</loc>
		<lastmod>2018-07-06T12:28:03+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/joint-communication-1-of-2018-status-of-instruments-issued-under-the-long-term-and-short-term-insurance-acts-post-1-july-2018/</loc>
		<lastmod>2018-07-06T12:29:51+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/joint-communication-2-of-2018-update-on-regulatory-policy-proposals-mooted-in-the-third-party-cell-captive-insurance-and-similar-arrangements-discussion-paper-2013/</loc>
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		<loc>https://www.masthead.co.za/download/levies-for-financial-institutions-notice-2018/</loc>
		<lastmod>2018-07-06T12:31:47+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/fsca-fais-notice-42-of-2018-exemption-of-certain-persons-from-class-of-business-training-requirements-2018/</loc>
		<lastmod>2018-07-23T07:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-press-release-fsca-commissioner-appoints-divisional-executives/</loc>
		<lastmod>2018-07-23T07:31:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/m-a-a-de-jager-v-huis-van-oranje-finansiele-dienste-bpk-and-1-other/</loc>
		<lastmod>2018-07-23T07:35:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/m-c-bierman-v-h-j-rossouw/</loc>
		<lastmod>2018-07-23T07:37:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/n-barnard-v-h-j-van-reenen/</loc>
		<lastmod>2018-07-23T07:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/h-p-espag-and-1-other-v-h-van-schalkwyk-makelaars-cc-and-1-other/</loc>
		<lastmod>2018-07-23T07:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/administrative-sanction-european-automotive-imports-south-africa-pty-ltd-t-a-maserati/</loc>
		<lastmod>2018-07-23T09:48:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/administrative-sanction-gold-trader-mossel-bay-pty-ltd/</loc>
		<lastmod>2018-07-23T09:49:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/administrative-sanction-jdg-trading-pty-ltd-t-a-nissan-mthatha/</loc>
		<lastmod>2018-07-23T09:50:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/administrative-sanction-mystic-cars-pty-ltd/</loc>
		<lastmod>2018-07-23T09:51:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/administrative-sanction-smg-auto-cape-town-pty-ltd/</loc>
		<lastmod>2018-07-23T09:52:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-32-of-2018-annual-statutory-returns-development-for-the-2018-financial-year/</loc>
		<lastmod>2018-07-25T10:12:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cms-script-issue-4-of-2018/</loc>
		<lastmod>2018-07-25T10:12:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cms-script-issue-5-of-2018/</loc>
		<lastmod>2018-07-25T10:13:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cms-script-issue-6-of-2018/</loc>
		<lastmod>2018-08-31T13:29:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-38-of-2018-audit-tenure/</loc>
		<lastmod>2018-08-31T13:30:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-37-of-2018-quarterly-statutory-returns-submission-for-2018/</loc>
		<lastmod>2018-08-31T13:31:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-34-of-2018-clarity-regarding-the-netcare-911-ruling/</loc>
		<lastmod>2018-08-31T13:32:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/t-p-gasekoma-v-silver-seed-capital-pty-ltd-and-1-other/</loc>
		<lastmod>2018-09-05T08:25:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/insurance-lt-notice-2-of-2018-draft-determination-format-for-replacement-advice-record-individual-risk-policies/</loc>
		<lastmod>2018-09-07T13:45:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fais-ombud-newsletter-quarter-2-of-2018/</loc>
		<lastmod>2018-09-07T13:48:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/ombudsman-for-long-term-insurance-determination-funeral-benefit/</loc>
		<lastmod>2018-09-12T09:56:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/ombudsman-for-long-term-insurance-determination-funeral-insurance/</loc>
		<lastmod>2018-09-12T09:57:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/ombudsman-for-long-term-insurance-determination-dread-disease/</loc>
		<lastmod>2018-09-12T09:58:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/dr-r-a-g-de-meulenaere-v-s-e-coetzer-t-a-downstream-trading/</loc>
		<lastmod>2018-09-25T12:02:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fic-typologies-september-2018/</loc>
		<lastmod>2018-09-25T12:03:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fic-annual-report-2017-18/</loc>
		<lastmod>2018-09-25T12:04:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/anti-money-laundering-and-counter-terrorism-financing-legislation/</loc>
		<lastmod>2018-09-25T12:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/d-j-potgieter-and-1-other-v-j-t-makelaars-bk-and-1-other/</loc>
		<lastmod>2018-10-05T13:13:11+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/m-h-j-nel-v-a-m-kelder-and-2-others/</loc>
		<lastmod>2018-10-05T13:14:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-annual-report-2018/</loc>
		<lastmod>2018-10-05T13:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-bulletin-first-quarter-2018-19/</loc>
		<lastmod>2018-10-05T13:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-46-of-2018-standard-guidelines-on-format-of-business-plans-for-the-registration-of-a-new-medical-scheme-new-restructured-benefit-options-regulation-29-amalgamations-reinsurance-and-stand/</loc>
		<lastmod>2018-10-05T13:16:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/amendment-of-policyholder-protection-rules-ito-the-long-term-insurance-act/</loc>
		<lastmod>2018-10-05T13:18:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/amendment-of-policyholder-protection-rules-ito-the-short-term-insurance-act/</loc>
		<lastmod>2018-10-05T13:19:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/guidance-notice-no-4-of-2018-exemption-from-the-requirement-that-members-of-a-fund-have-the-right-to-elect-members-of-the-board-of-a-fund-ito-section-7b1b-of-the-pension-funds-act-1956/</loc>
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		<loc>https://www.masthead.co.za/download/government-notices-amendment-of-commencement-of-certain-provisions-of-the-fsra-and-effective-date-of-amendment-of-certain-sections-in-schedule-1-of-the-insurance-act/</loc>
		<lastmod>2018-10-11T13:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-strategy-2018/</loc>
		<lastmod>2018-10-12T09:40:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-press-release-release-of-the-fscas-regulatory-strategy-and-memoranda-of-understanding/</loc>
		<lastmod>2018-10-12T09:45:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/standards-for-authorisation-of-auditors-for-medical-schemes/</loc>
		<lastmod>2018-11-01T07:10:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-50-of-2018-demarcation-exemption-appeal-outcome/</loc>
		<lastmod>2018-11-01T07:11:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/amendment-of-regulations-ito-the-long-term-insurance-act/</loc>
		<lastmod>2018-11-01T07:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/amendment-of-regulations-ito-the-short-term-insurance-act/</loc>
		<lastmod>2018-11-01T07:20:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/clarification-of-commencement-of-certain-amendments-to-regulations-ito-the-long-term-and-short-term-insurance-acts/</loc>
		<lastmod>2018-11-01T07:24:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cms-quarterly-reports-for-the-period-ending-30-june-2018/</loc>
		<lastmod>2018-11-14T07:11:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/draft-conduct-standard-criteria-for-living-annuities-in-a-default-annuity-strategy/</loc>
		<lastmod>2018-11-14T07:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/statement-supporting-the-draft-conduct-standard-on-the-criteria-for-living-annuities-in-a-default-annuity-strategy/</loc>
		<lastmod>2018-11-14T07:17:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-release-fic-and-sarb-commit-to-increased-collaboration/</loc>
		<lastmod>2018-11-14T07:19:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/outcomes-of-the-october-2018-meeting-of-the-financial-action-task-force/</loc>
		<lastmod>2018-11-14T07:20:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fatf-statements-on-jurisdictions-with-strategic-anti-money-laundering-and-counter-terror-financing-deficiencies/</loc>
		<lastmod>2018-11-14T07:21:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fic-presentation-compliance-and-awareness-roadshow/</loc>
		<lastmod>2018-11-14T10:43:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/osti-briefcase-issue-no-3-of-2018/</loc>
		<lastmod>2018-11-14T10:46:00+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/j-gilbert-v-the-office-of-the-fais-ombud-and-1-other/</loc>
		<lastmod>2018-11-16T13:05:06+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/j-gokora-v-old-mutual-life-assurance-company-south-africa-ltd/</loc>
		<lastmod>2018-11-16T13:07:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/v-thomas-v-agm-mapsure-risk-management-pty-ltd/</loc>
		<lastmod>2018-11-16T13:12:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/financial-services-tribunal-rules-nov-2018/</loc>
		<lastmod>2018-11-16T13:30:21+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fsca-fais-notice-86-of-2018-exemption-of-services-under-supervision/</loc>
		<lastmod>2018-12-04T11:25:59+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/johlyn-financial-advisory-services-pty-ltd-and-1-other-v-m-mcnamara-and-1-other/</loc>
		<lastmod>2018-12-04T11:27:27+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-58-of-2018-review-of-breast-cancer-pmb-definition-guidelines/</loc>
		<lastmod>2018-12-14T08:25:06+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-59-of-2018-benefit-definition-submissions-for-schizophrenia-bi-polar-mood-disorder-and-mental-health-emergencies/</loc>
		<lastmod>2018-12-14T08:26:54+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/d-mathebula-v-tracker-agility-pty-ltd/</loc>
		<lastmod>2018-12-14T08:27:46+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/fsca-press-release-stanlib-collective-investment-schemes-rf-pty-limited/</loc>
		<lastmod>2019-01-10T06:24:35+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/d-risk-insurance-consultants-cc-deeb-raymond-risk-and-lw-and-cm-oldacre/</loc>
		<lastmod>2019-01-10T06:26:06+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-65-of-2018-medical-scheme-benefit-options-for-open-and-restricted-schemes-approved-with-effect-from-1-january-2019/</loc>
		<lastmod>2019-01-10T06:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-1-framework-for-governance-and-operational-standards-for-insurers/</loc>
		<lastmod>2019-01-10T07:37:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-2-governance-of-insurers/</loc>
		<lastmod>2019-01-10T07:39:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/guidance-note-on-prudential-standard-goi-2-gn-2-1-corporate-culture/</loc>
		<lastmod>2019-01-10T07:41:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-3-risk-management-and-internal-controls-for-insurers/</loc>
		<lastmod>2019-01-10T07:42:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-3-1-own-risk-and-solvency-assessment-orsa-for-insurers/</loc>
		<lastmod>2019-01-10T07:43:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-3-2-business-continuity-management-bcm/</loc>
		<lastmod>2019-01-10T07:45:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-3-3-reinsurance-and-other-forms-of-risk-transfer-by-insurers/</loc>
		<lastmod>2019-01-10T07:46:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-4-fitness-and-propriety-of-key-persons-and-significant-owners-of-insurers/</loc>
		<lastmod>2019-01-10T07:47:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-5-outsourcing-by-insurers/</loc>
		<lastmod>2019-01-10T07:48:42+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-6-transfer-of-business-and-other-significant-transactions-by-insurers/</loc>
		<lastmod>2019-01-10T07:50:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-goi-7-miscellaneous-regulatory-requirements-for-insurers/</loc>
		<lastmod>2019-01-10T07:50:59+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/prudential-standard-gom-governance-and-operational-standard-for-microinsurers/</loc>
		<lastmod>2019-01-10T08:04:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/regulations-relating-to-the-protection-of-personal-information-2018/</loc>
		<lastmod>2019-01-11T12:37:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/guidance-notice-8-of-2018-guidance-on-the-application-of-default-regulations-contained-in-regulations-37-38-39-and-40/</loc>
		<lastmod>2019-01-21T08:52:19+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/j-b-ellis-v-nedbank-financial-planning/</loc>
		<lastmod>2019-01-21T08:54:22+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/registrar-of-pension-funds-annual-report-2017/</loc>
		<lastmod>2019-01-21T08:55:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/p-pieters-v-sapcor-harrismith-pty-ltd/</loc>
		<lastmod>2019-01-21T08:56:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-2-of-2019-real-time-monitoring-rtm-for-2019/</loc>
		<lastmod>2019-01-21T08:57:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/kloof-plant-hire-cc-and-1-other-v-cdk-event-solutions-and-1-other/</loc>
		<lastmod>2019-01-22T05:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/p-h-wessels-v-umc-brokers-pty-ltd-and-1-other/</loc>
		<lastmod>2019-01-22T05:30:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/m-m-maarman-v-buys-burial-society-and-1-other/</loc>
		<lastmod>2019-01-22T05:32:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/r-van-staden-v-dovetail-trading-and-1-other/</loc>
		<lastmod>2019-01-22T05:34:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/m-h-sidinana-v-eyodidi-funeral-undertakers-and-1-other/</loc>
		<lastmod>2019-01-22T05:36:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/m-w-hendricks-v-overberg-wealth-and-risk-management-pty-ltd/</loc>
		<lastmod>2019-01-22T05:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/appeal-board-r-j-nel-v-g-h-groenewald-and-2-others/</loc>
		<lastmod>2019-01-22T05:39:41+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/appeal-board-midcoast-financial-services-cc-and-1-other-v-a-j-allan-and-2-others/</loc>
		<lastmod>2019-01-22T05:41:06+00:00</lastmod>
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		<lastmod>2019-01-22T05:42:30+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/public-compliance-communication-pcc-43-customer-due-diligence-in-relation-to-shared-clients-of-accountable-institutions/</loc>
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		<loc>https://www.masthead.co.za/download/joint-communication-4-of-2020-clarification-on-certain-regulatory-requirements-applicable-to-funeral-insurance-policies/</loc>
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		<loc>https://www.masthead.co.za/download/ifwg-position-paper-on-crypto-assests/</loc>
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		<loc>https://www.masthead.co.za/download/national-credit-regulations-including-affordability-assessment-regulations/</loc>
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		<loc>https://www.masthead.co.za/download/commencement-of-certain-sections-of-the-protection-of-personal-information-act/</loc>
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		<loc>https://www.masthead.co.za/download/amendment-of-the-determination-of-fit-and-proper-requirements-2020/</loc>
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		<loc>https://www.masthead.co.za/download/protection-personal-information-act-4-2013/</loc>
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		<loc>https://www.masthead.co.za/download/seia-cofi-bill/</loc>
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		<loc>https://www.masthead.co.za/download/media-statement-invitation-for-public-comments-on-the-draft-conduct-of-financial-institutions-bill-2018/</loc>
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		<loc>https://www.masthead.co.za/download/conduct-of-financial-institutions-bill-policy-paper/</loc>
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		<loc>https://www.masthead.co.za/download/conduct-of-financial-institutions-bill/</loc>
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		<loc>https://www.masthead.co.za/download/conduct-of-financial-institutions-cofi-bill/</loc>
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		<loc>https://www.masthead.co.za/download/media-statement-second-draft-of-conduct-of-financial-institutions-bill-published-for-public-comment/</loc>
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		<loc>https://www.masthead.co.za/download/draft-amendment-of-the-general-code-of-conduct-for-authorised-fsps-and-representatives-2021/</loc>
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		<lastmod>2022-12-08T12:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-14-of-2022-cervical-cancer/</loc>
		<lastmod>2022-12-08T12:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/statement-supporting-the-proposed-amendments-to-the-general-code-of-conduct-for-authorised-fsps-and-representatives-2022/</loc>
		<lastmod>2023-01-12T11:12:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/amendment-of-the-general-code-of-conduct-for-authorised-fsps-and-representatives-2022/</loc>
		<lastmod>2023-01-12T11:12:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/consultation-report-amendment-of-the-general-code-of-conduct-for-authorised-fsps-and-representatives-2022/</loc>
		<lastmod>2023-01-12T11:14:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/amendment-of-the-qualifications-experiences-and-criteria-for-approval-as-compliance-officer-2022/</loc>
		<lastmod>2023-01-12T11:16:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/statement-supporting-the-proposed-amendment-of-the-notice-on-qualifications-experience-and-criteria-for-the-approval-as-a-compliance-officer-2022/</loc>
		<lastmod>2023-01-12T11:17:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/consultation-report-amendment-of-the-qualifications-experiences-and-criteria-for-approval-as-a-compliance-officer-2022/</loc>
		<lastmod>2023-01-12T11:18:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-1-of-2023-diabetes-mellitus-type-2/</loc>
		<lastmod>2023-02-15T11:27:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-2-of-2023-amputations/</loc>
		<lastmod>2023-02-15T11:28:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/commencement-of-sections-31-and-56-of-fica/</loc>
		<lastmod>2023-02-15T11:31:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/amendment-of-money-laundering-and-terrorist-financing-control-regulations-international-funds-transfer-report-2023/</loc>
		<lastmod>2023-02-15T11:40:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/draft-guidance-note-104a-on-international-funds-transfer-reporting-in-terms-of-section-31-of-fica/</loc>
		<lastmod>2023-02-15T11:43:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/general-laws-anti-money-laundering-and-combating-terrorism-financing-amendment-act-22-of-2022/</loc>
		<lastmod>2023-02-15T11:46:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/commencement-of-general-laws-anti-money-laundering-and-combating-terrorism-financing-amendment-act/</loc>
		<lastmod>2023-02-15T11:56:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fic-media-release-new-reporting-stream-to-shed-light-on-electronic-cross-border-transactions/</loc>
		<lastmod>2023-02-15T11:59:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-3-of-2023-alcohol-and-drug-abuse/</loc>
		<lastmod>2023-02-17T10:21:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/directive-6-of-2023-submission-of-a-risk-and-compliance-return-to-the-fic-by-specified-accountable-institutions-that-are-designated-non-financial-businesses-and-professions/</loc>
		<lastmod>2023-04-06T10:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/directive-7-of-2023-submission-of-a-risk-and-compliance-return-to-the-fic-by-specified-accountable-institutions/</loc>
		<lastmod>2023-04-06T10:37:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/financial-sector-and-deposit-levies-act-11-of-2022/</loc>
		<lastmod>2023-04-19T10:51:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/financial-sector-and-deposit-levies-act-12-of-2022/</loc>
		<lastmod>2023-04-19T10:52:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/the-fscas-strategy-for-promoting-financial-sector-transformation/</loc>
		<lastmod>2023-04-19T10:56:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/notice-of-name-reservation-e-service-process/</loc>
		<lastmod>2023-04-24T11:27:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cipc-compliance-checklist/</loc>
		<lastmod>2023-04-24T11:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/notice-of-e-services-of-new-company-registration/</loc>
		<lastmod>2023-04-24T11:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cipc-notice-52-of-2019-companies-compliance-checklist-on-e-services/</loc>
		<lastmod>2023-04-24T11:27:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cipc-annual-report-2018-19/</loc>
		<lastmod>2023-04-24T11:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cipc-media-release-1-of-2020-compliance-checklist/</loc>
		<lastmod>2023-04-24T11:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/legal-practitioners-assessment-of-the-inherent-money-laundering-and-terrorist-financing-risks/</loc>
		<lastmod>2023-04-25T12:54:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/real-estate-sector-assessment-of-the-inherent-money-laundering-and-terrorist-financing-risks/</loc>
		<lastmod>2023-04-25T12:58:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/kruger-rand-dealers-assessment-of-the-inherent-money-laundering-and-terrorist-financing-risks/</loc>
		<lastmod>2023-04-25T12:59:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/gambling-sector-assessment-of-the-inherent-money-laundering-and-terrorist-financing-risks/</loc>
		<lastmod>2023-04-25T13:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/trust-services-providers-sector-assessment-of-the-inherent-money-laundering-and-terrorist-financing-risks/</loc>
		<lastmod>2023-04-25T13:01:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fic-media-release-minister-amends-the-schedules-to-fica/</loc>
		<lastmod>2023-04-25T13:02:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/amendments-to-money-laundering-and-terrorist-financing-control-regulations-in-terms-of-fica/</loc>
		<lastmod>2023-04-25T13:04:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fact-sheet-what-does-fatf-greylisting-mean-for-a-country/</loc>
		<lastmod>2023-04-25T13:04:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/south-african-national-terrorism-financing-risk-assessment-2/</loc>
		<lastmod>2023-04-25T13:06:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-13-of-2023-update-on-the-status-of-the-development-of-lcbo-guidelines/</loc>
		<lastmod>2023-04-25T13:09:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/motor-vehicle-dealers-sector-assessment-of-the-inherent-money-laundering-and-terrorist-financing-risks/</loc>
		<lastmod>2023-04-25T13:15:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-statement-deposit-insurance-body-established-as-finance-minister-enoch-godongwana-publishes-commencement-schedule-as-part-of-the-implementation-of-the-financial-sector-laws-amendment-act/</loc>
		<lastmod>2023-05-04T14:05:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/directive-8-of-2023-screening-of-employees-for-competence-and-integrity-and-scrutinising-of-employee-information-against-applicable-targeted-financial-sanctions-lists-as-a-money-laundering-terroris/</loc>
		<lastmod>2023-05-04T14:09:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/pcc-55-directive-8-of-2023-screening-of-employees-for-competence-and-integrity-and-scrutinising-of-employee-information-against-applicable-targeted-financial-sanctions-lists-as-a-money-laundering/</loc>
		<lastmod>2023-05-04T14:10:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/guidance-note-8-on-the-directive-for-conduct-within-the-national-payment-system-in-respect-of-the-fatf-recommendations-for-electronic-funds-transfers-directive-1-of-2022/</loc>
		<lastmod>2023-05-04T14:11:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fic-media-release-beneficial-ownership-framework-overhaul-to-enhance-investigatory-process/</loc>
		<lastmod>2023-05-04T14:11:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-communication-12-of-2023-cis-changes-to-criminal-verification-checks-in-respect-of-collective-investment-schemes/</loc>
		<lastmod>2023-05-17T09:54:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-15-of-2023-update-on-the-review-of-the-prescribed-minimum-benefits/</loc>
		<lastmod>2023-05-17T09:54:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cms-research-brief-regulatory-framework-project/</loc>
		<lastmod>2023-05-17T10:04:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/ncr-circular-1-of-2023-updated-contact-details/</loc>
		<lastmod>2023-05-17T10:05:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cms-research-review-a-responsive-complaints-driven-regulatory-monitoring-framework-in-the-pipeline/</loc>
		<lastmod>2023-05-17T10:05:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-4-of-2023-termination-of-pregnancy/</loc>
		<lastmod>2023-05-31T11:31:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/ombudsman-for-long-term-and-short-term-insurance-annual-report-2022/</loc>
		<lastmod>2023-05-31T11:31:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-5-of-2023-focus-on-cholera/</loc>
		<lastmod>2023-06-06T12:26:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-statement-the-regulator-welcomes-the-judgment-of-the-constitutional-court-in-favour-of-transparency/</loc>
		<lastmod>2023-06-14T08:01:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-communication-16-of-2023-exemption-of-persons-rendering-a-financial-service-in-relation-to-crypto-assets-from-certain-requirements/</loc>
		<lastmod>2023-06-14T08:02:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-fais-notice-25-of-2023-exemption-of-persons-rendering-a-financial-service-in-relation-to-crypto-assets-from-certain-requirements/</loc>
		<lastmod>2023-06-14T08:03:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-6-of-2023-focus-on-ovarian-cysts/</loc>
		<lastmod>2023-06-23T13:08:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-7-of-2023-focus-on-infertility/</loc>
		<lastmod>2023-07-18T08:50:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/ncr-circular-3-of-2023-annual-renewal-of-registration/</loc>
		<lastmod>2023-07-26T09:57:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-25-of-2023-amendments-to-the-medical-schemes-act-regulations-31-32/</loc>
		<lastmod>2023-07-26T10:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-mbara-funeral-directors-pty-ltd/</loc>
		<lastmod>2023-07-26T12:11:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-nomkholwa-funeral-services-pty-ltd/</loc>
		<lastmod>2023-07-26T12:12:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-booysen-funeral-services-cc/</loc>
		<lastmod>2023-07-26T12:13:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-elexzia-group-pty-ltd/</loc>
		<lastmod>2023-07-26T12:14:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-dirisanang-funeral-services-pty-ltd/</loc>
		<lastmod>2023-07-26T12:15:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-interactive-trading-248-pty-ltd/</loc>
		<lastmod>2023-07-26T12:16:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-khulana-funeral-directors-pty-ltd/</loc>
		<lastmod>2023-07-26T12:17:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-leroi-investment-group-pty-ltd/</loc>
		<lastmod>2023-07-26T12:18:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-magudulelas-unique-funerals-cc/</loc>
		<lastmod>2023-07-26T12:19:03+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/advisory-on-requests-for-delisting-from-a-targeted-financial-sanctions-list/</loc>
		<lastmod>2023-08-07T14:22:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/practice-notice-2-of-2023-access-to-the-website-on-the-process-to-amend-company-directors/</loc>
		<lastmod>2023-08-11T09:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/practice-notice-1-of-2023-challenges-encountered-when-filing-applications/</loc>
		<lastmod>2023-08-11T09:29:17+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/media-release-reminder-to-companies-and-close-corporations-to-file-annual-returns/</loc>
		<lastmod>2023-08-11T09:29:34+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/notice-43-of-2023-validation-of-cipc-email-address-for-requesting-confirmation-or-evidence-to-information-submitted-to-company-services/</loc>
		<lastmod>2023-08-11T09:29:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/notice-42-of-2023-reminder-to-customers-of-cipc-change-of-payment-method/</loc>
		<lastmod>2023-08-11T09:29:57+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/notice-40-of-2023-securities-register-and-beneficial-interest-register-functionality-release/</loc>
		<lastmod>2023-08-11T09:30:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/pcc-6a-guidance-on-trust-and-company-service-providers-as-item-2-in-schedule-1-of-the-fica-2001/</loc>
		<lastmod>2023-08-24T12:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-john-graveyard-innovation-pty-ltd/</loc>
		<lastmod>2023-08-25T08:08:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/enforcement-action-ej-funeral-service-pty-ltd/</loc>
		<lastmod>2023-08-25T08:08:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/debarment-order-mr-oupa-aaron-madonsela/</loc>
		<lastmod>2023-08-25T08:08:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fst-decision-willem-jakobus-oosthuizen-v-pfa-and-others/</loc>
		<lastmod>2023-08-25T08:08:50+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fsca-press-release-the-fsca-gears-up-to-launch-the-new-trustee-training-toolkit-e-learning-platform/</loc>
		<lastmod>2023-08-25T08:09:02+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/commencement-of-certain-provisions-of-fica-2017/</loc>
		<lastmod>2023-08-25T08:09:11+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/cmscript-8-of-2023-focus-on-juvenile-arthritis/</loc>
		<lastmod>2023-08-28T12:01:45+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fsca-press-release-the-fsca-gears-up-to-launch-the-new-trustee-training-toolkit-e-learning-platform-2/</loc>
		<lastmod>2023-08-28T12:01:58+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/exemption-applications-notice-01-0f-2023-reinstatement-of-the-provisions-relating-to-group-reporting-exemptions-as-contained-in-the-amended-financial-sector-code/</loc>
		<lastmod>2023-08-28T12:02:06+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fic-annual-report-2022-23-increasing-transparency-to-enhance-the-fight-against-financial-crime/</loc>
		<lastmod>2023-10-05T09:36:43+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/practice-notice-4-of-2023-filing-of-documents-and-the-process-of-challenge/</loc>
		<lastmod>2023-10-18T12:00:17+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/fais-ombud-newsletter-issue-1-of-2023/</loc>
		<lastmod>2023-10-18T12:01:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-annual-report-2022-23/</loc>
		<lastmod>2023-10-23T09:56:50+00:00</lastmod>
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	<url>
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		<lastmod>2023-10-23T09:57:18+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-33-of-2023-prescribed-minimum-benefit-definition-guideline-for-inflammatory-bowel-disease-ulcerative-colitis-and-crohns-disease/</loc>
		<lastmod>2023-10-23T09:57:51+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/circular-37-of-2023-regulatory-guidance-on-routine-monitoring-of-compliance-inspections-and-request-for-information/</loc>
		<lastmod>2023-10-23T09:58:10+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fsca-communication-27-of-2023-criminal-record-verification-of-certain-designated-persons-and-significant-owners/</loc>
		<lastmod>2023-10-26T07:17:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/pcc-5d-registration-with-the-financial-intelligence-centre-in-terms-of-section-43b-of-the-fica-2001/</loc>
		<lastmod>2023-10-26T13:42:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/pcc-47a-guidance-on-the-interpretation-of-legal-practitioners-item-1-of-schedule-1-to-the-fica-2001-and-potential-risk-indicators/</loc>
		<lastmod>2023-10-26T13:43:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/joint-standard-1-of-2023-information-technology-it-governance-and-risk-management/</loc>
		<lastmod>2023-11-21T06:53:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-communication-33-of-2023-update-on-roll-out-and-implementation-of-cross-sectoral-conduct-of-business-return-for-financial-institutions/</loc>
		<lastmod>2023-12-08T07:22:47+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/fais-ombud-press-release-forex-investment-complaints/</loc>
		<lastmod>2023-12-21T08:36:11+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/media-release-cipc-implements-a-beneficial-ownership-interface/</loc>
		<lastmod>2023-12-21T09:00:58+00:00</lastmod>
	</url>
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		<lastmod>2023-12-21T09:15:36+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/media-releases-south-african-reserve-bank-imposes-administrative-sanctions-on-grindrod-bank-limited/</loc>
		<lastmod>2023-12-21T09:17:29+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/g4-guidelines-for-matters-related-to-the-prevention-of-banks-or-controlling-companies-being-used-for-terrorist-financing-or-other-related-unlawful-activity/</loc>
		<lastmod>2023-12-21T09:21:34+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/cmscript-10-of-2023-testicular-cancer/</loc>
		<lastmod>2024-01-08T14:03:28+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/fsca-notice-26-of-2023-exemption-of-funds-from-using-certain-prescribed-formats-for-preparing-financial-statements-under-section-15-of-the-pension-funds-act-1956-audit-reports/</loc>
		<lastmod>2024-01-10T07:13:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/the-ombudsmans-briefcase-issue-no-3-of-2023/</loc>
		<lastmod>2024-01-10T07:15:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/preparation-guide-for-regulatory-examinations-re4/</loc>
		<lastmod>2024-01-10T11:28:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/preparation-guide-for-regulatory-examinations-re3/</loc>
		<lastmod>2024-01-10T11:30:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/preparation-guide-for-regulatory-examinations-re1-and-re5/</loc>
		<lastmod>2024-01-10T11:31:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/preparation-guide-for-regulatory-examinations-re-1-and-re-5/</loc>
		<lastmod>2024-01-26T10:28:57+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/guidance-notice-matters-on-the-use-of-terrorist-financing-or-other-unlawful/</loc>
		<lastmod>2024-02-08T12:33:25+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/circular-1-of-2024-iron-deficiency-anaemia-as-a-pmb-condition/</loc>
		<lastmod>2024-02-08T12:33:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-1-of-2024-vertical-transmission-prevention/</loc>
		<lastmod>2024-02-15T13:54:42+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/reporting-notice-submission-of-annual-verified-b-bbee-compliance-reports-for-the-period-between-01-december-2022-and-30-november-2023/</loc>
		<lastmod>2024-03-04T14:25:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/pcc-44a-guidance-on-the-implementation-of-targeted-financial-sanctions-in-south-africa/</loc>
		<lastmod>2024-03-06T08:25:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-statement-a-simpler-stronger-financial-sector-ombud-system-policy-statement/</loc>
		<lastmod>2024-03-12T13:58:39+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/media-statement-a-simpler-stronger-financial-sector-ombud-system/</loc>
		<lastmod>2024-03-12T13:59:25+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/media-statement-a-simpler-stronger-financial-sector-ombud-system-feedback-statement/</loc>
		<lastmod>2024-03-12T13:59:48+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/media-statement-greylisting-south-africas-progress-plan-against-its-action-plan/</loc>
		<lastmod>2024-03-12T14:00:21+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/fsca-press-release-the-fsca-publishes-statement-on-consumer-vulnerability/</loc>
		<lastmod>2024-03-25T10:29:22+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/fsca-ins-notice-3-of-2024-exemption-of-microinsurers-from-rule-2a-6-1-of-the-policyholder-protection-rules-long-term-insurance-2017/</loc>
		<lastmod>2024-03-25T10:29:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-communication-7-of-2024-publication-of-final-fsca-interpretation-ruling-1-of-2024-on-the-application-of-s37c-of-the-pension-funds-act-1956-and-withdrawal-of-fsca-interpretation-ruling-1-of-202/</loc>
		<lastmod>2024-03-25T10:42:09+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/fsca-communication-13-of-2024-submission-of-annual-financial-statements-and-other-statutory-returns-by-financial/</loc>
		<lastmod>2024-04-12T13:22:09+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/circular-16-of-2024-update-demarcation-exemption-renewal-framework/</loc>
		<lastmod>2024-04-12T13:22:45+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/cmscript-1-of-2024-vertical-transmission-prevention-2/</loc>
		<lastmod>2024-05-17T09:30:49+00:00</lastmod>
	</url>
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		<loc>https://www.masthead.co.za/download/cmscript-2-of-2024-focus-on-endometriosis/</loc>
		<lastmod>2024-05-17T09:31:32+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/cmscript-3-of-2024-focus-on-schizophrenia/</loc>
		<lastmod>2024-05-17T09:31:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-4-of-2024-focus-on-burns/</loc>
		<lastmod>2024-06-28T08:34:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-5-of-2024-focus-on-bipolar-mood-disorder/</loc>
		<lastmod>2024-06-28T08:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsra-rules-made-by-ombud-council-for-ombud-for-financial-service-providers/</loc>
		<lastmod>2024-07-08T12:56:17+00:00</lastmod>
	</url>
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		<lastmod>2024-07-08T12:56:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/ombudsman-for-short-term-and-long-term-insurance-annual-report-2023/</loc>
		<lastmod>2024-07-08T12:56:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-press-release-fsca-publishes-its-latest-regulatory-actions-report/</loc>
		<lastmod>2024-07-08T12:56:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/preparation-guide-for-regulatory-examinations-re1-and-re5-2/</loc>
		<lastmod>2024-07-08T12:56:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/2024-fsca-3-year-regulation-plan/</loc>
		<lastmod>2024-07-10T13:23:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/south-african-national-terrorism-financing-risk-assessment-2024/</loc>
		<lastmod>2024-07-11T11:32:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/circular-28-of-2024-the-cms-provides-an-updated-on-the-exemption-renewal-framework/</loc>
		<lastmod>2024-07-17T13:18:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/business-cautioned-over-south-africas-heightened-terrorist-financing-risk-rating/</loc>
		<lastmod>2024-07-30T07:09:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/pcc-59-relating-to-beneficial-ownership-and-the-application-of-section-21b-of-fica/</loc>
		<lastmod>2024-09-04T13:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/press-release-fsca-publishes-its-second-integrated-report/</loc>
		<lastmod>2024-11-06T07:21:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/guidelines-for-the-form-and-content-of-statements-of-account/</loc>
		<lastmod>2024-11-06T07:24:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fic-annual-report-2023-2024/</loc>
		<lastmod>2024-11-06T07:26:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-release-fic-hosts-compliance-workshop-aimed-at-casps/</loc>
		<lastmod>2024-11-06T07:27:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-release-national-credit-regulator-intensifies-its-efforts-against-unregistered-lenders-in-the-northen-cape-violating-the-national-credit-act/</loc>
		<lastmod>2024-11-06T07:29:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/publication-jurisdictions-under-increased-monitoring/</loc>
		<lastmod>2024-11-18T06:20:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/publication-high-risk-jurisdictions-subject-to-a-call-for-action/</loc>
		<lastmod>2024-11-18T06:20:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-statement-fatf-greylisting-south-africas-positive-progress-as-at-october-2024/</loc>
		<lastmod>2024-11-18T06:21:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-release-new-categories-for-unit-trusts-investing-exclusively-in-south-africa/</loc>
		<lastmod>2024-11-18T06:24:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/guidelines-for-the-submission-of-complaints-relating-to-disputed-consumer-credit-information/</loc>
		<lastmod>2025-01-14T07:13:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/preparation-guide-for-regulatory-examinations-re1-and-re5-3/</loc>
		<lastmod>2025-01-16T12:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/preparation-guide-for-regulatory-examinations-re3-2/</loc>
		<lastmod>2025-01-16T12:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/preparation-guide-for-regulatory-examinations-re4-2/</loc>
		<lastmod>2025-01-16T12:42:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fstc-reporting-notice-2-of-2024-submission-of-annual-verified-b-bbee-compliance-reports-under-section-10-4-of-the-b-bbee-act-of-2003-for-the-measurement-period-ending-between-01-december-2023-and-3/</loc>
		<lastmod>2025-01-24T10:53:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-1-of-2025-blood-transfusions/</loc>
		<lastmod>2025-02-04T14:09:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/guidance-note-7a-on-the-implementation-of-the-fic-act/</loc>
		<lastmod>2025-02-18T09:19:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fatf-greylisting-progress-update-for-sa-two-action-items-remain-to-be-addressed/</loc>
		<lastmod>2025-02-24T13:14:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/invitation-to-submit-the-2024-2025-financial-year-annual-reports-in-respect-of-access-to-information-requests-received-processed-by-the-public-and-private-bodies/</loc>
		<lastmod>2025-03-19T06:18:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/directive-3a-notification-of-failure-to-report-as-required-by-the-fic-in-terms-of-the-fica/</loc>
		<lastmod>2025-04-03T06:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/pcc-50a-guidance-on-the-measures-required-for-the-mitigation-of-loss-of-intelligence-data-due-to-reporting-failures/</loc>
		<lastmod>2025-04-03T06:40:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-statement-regulator-launches-online-reporting-platform-for-security-compromises/</loc>
		<lastmod>2025-04-14T08:25:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/joint-advisory-directive-9-of-2024-on-implementation-of-the-travel-rule-to-enhance-transparency-in-crypto-asset-transactions-takes-effect-on-30-april-2025/</loc>
		<lastmod>2025-04-23T09:25:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/popia-2013-amendment-of-the-regulations-relating-to-the-protection-of-personal-information-2018/</loc>
		<lastmod>2025-05-05T11:59:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-press-release-fsca-publishes-its-regulatory-strategy-for-2025-2028/</loc>
		<lastmod>2025-05-08T11:18:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/media-release-business-must-understand-the-risk-of-money-laundering-related-to-their-products-and-services/</loc>
		<lastmod>2025-05-12T13:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-3-of-2025-ulcerative-colitis/</loc>
		<lastmod>2025-05-15T14:11:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-2-of-2025-crohns-disease/</loc>
		<lastmod>2025-05-15T14:18:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-three-year-rolling-financial-education-plan-2025-2028/</loc>
		<lastmod>2025-06-11T14:36:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-communication-12-of-2025-update-on-the-roll-out-and-implementation-of-the-cross-sectoral-conduct-of-business-return-omni-cbr-for-financial-institutions/</loc>
		<lastmod>2025-06-17T08:02:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/guideline-1-of-2025-consequences-of-non-compliance-with-the-directors-duties/</loc>
		<lastmod>2025-06-27T12:52:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-newsletter-q1-june-2025/</loc>
		<lastmod>2025-07-03T11:37:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/fsca-regulatory-actions-report-for-2024-25/</loc>
		<lastmod>2025-07-18T11:37:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/cmscript-4-of-2025-autism-spectrum-disorder/</loc>
		<lastmod>2025-07-23T07:29:25+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/cmscript-5-of-2025-neurogenic-bladder-dysfunction/</loc>
		<lastmod>2025-07-23T07:30:28+00:00</lastmod>
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	<url>
		<loc>https://www.masthead.co.za/download/cmscript-6-of-2025-cerebral-palsy/</loc>
		<lastmod>2025-07-23T07:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.masthead.co.za/download/joint-communication-2-of-2025-cloud-computing-and-data-offshoring/</loc>
		<lastmod>2025-07-31T09:17:22+00:00</lastmod>
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		<loc>https://www.masthead.co.za/download/cmscript-7-of-2025-other-specified-sepsis/</loc>
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		<loc>https://www.masthead.co.za/download/fsca-conduct-standard-3-of-2025-requirements-for-managers-of-collective-investment-scheme-cis/</loc>
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		<loc>https://www.masthead.co.za/download/cmscript-8-of-2025-other-interstitial-pulmonary-diseases-with-fibrosis/</loc>
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