LBP Compliance helps South African accountable institutions meet their obligations under the FIC Act — from risk programmes and AML frameworks to FSCA and crypto regulation.
Every estate agency must now submit a Risk and Compliance Return to the FIC — for most, the first time. Our free guided worksheet walks you through it. Flag anything you're unsure of, and our compliance specialists resolve it with you.
Free to complete — saves as you go.
Flag & resolve — mark what you don't know.
Download & print your completed answers.
We help South African accountable institutions across every sector meet their obligations under the FIC Act — from compliance programmes to regulatory licensing.
Risk Management and Compliance Programmes drafted, reviewed, and kept current with the latest FIC directives and guidance notes.
Customer due diligence, screening, transaction monitoring and suspicious-transaction reporting frameworks built for your sector and risk profile.
CASP licensing, FAIS, travel rule and broader regulatory work for crypto asset service providers and financial institutions.
goAML registration, Org ID setup, and support with FIC reporting obligations including the 2026 Risk and Compliance Return.
Directive 11 of 2026 took effect on 1 April. The submission window opened on 4 May. Estate agencies must file by 31 July 2026. Late or missing returns are non-compliance with FICA and may carry administrative penalties. Our free worksheet gets you ahead of it.
The 2026 Risk and Compliance Return applies to every accountable institution — attorneys, accountants, high-value goods dealers, crypto asset service providers and more. If you need help with your sector's return, we can assist.
The worksheet does the heavy lifting. You only pay if you need us in the room.
Work through every question across all three reporting periods. It saves as you go, so you can stop and return any time. Completely free.
One tap marks any question as "unsure." We build a precise list of exactly what needs a professional answer — nothing more.
Download and print your answers, or book a session with our compliance team to work through your flagged questions and finalise the return.
Your flagged questions are resolved by people who know the terrain.
Brent Petersen is an admitted attorney, conveyancer, and notary public, and the director of LBP Compliance. He specialises in compliance for Accountable Institutions operating under FICA, advising institutions on the full breadth of their statutory anti-money-laundering and counter-terrorist-financing obligations. Alongside this compliance practice, he remains a practising conveyancer and notary public, advising on and executing property transfers, bonds, notarial deeds, and related instruments, giving him a rare combination of front-line legal practice and specialist regulatory expertise. His ongoing practice keeps him grounded in the realities of legal execution and client service, and complements his compliance work, particularly in matters where property, settlement, and regulated financial flows intersect.
Three decades of international commercial and regulatory operating experience across fintech, crypto and financial services, spanning South Africa and beyond.
Lizette Rudolph is an admitted attorney with seven years' post-qualification legal experience and a focus on regulatory compliance across financial services, fintech, crypto assets, and other regulated sectors. She advises clients on FICA compliance, AML/CTF/CPF frameworks, FSCA obligations, CASP compliance, and RMCP development, taking a practical, risk-based approach. Working with accountable institutions, FSPs, and established organisations, she helps strengthen compliance frameworks, reduce regulatory risk, and manage engagement with the FIC, FSCA, and other authorities, delivering solutions that meet regulatory expectations while supporting operational efficiency and growth.
Andrisa Prins is an admitted attorney and conveyancer of the High Court with over 18 years in the legal profession, specialising in property law and wills and estates. She brings a strong regulatory-compliance background spanning risk management, corporate governance, AML, FICA, POPIA, and statutory compliance, with particular depth in the property sector. Through a practical, solutions-driven approach, she helps businesses navigate a complex regulatory environment while protecting their operations and reputation.
The Risk and Compliance Return is a self-assessment that the Financial Intelligence Centre requires from accountable institutions under section 43A of the FIC Act. Directive 11 of 2026 makes it mandatory for estate agencies. If your agency is registered with the FIC, you must submit one for each FIC Org ID you hold.
The submission window opened on 4 May 2026. Estate agencies must submit by 31 July 2026 at 17:00. The return covers the reporting period 1 April 2023 to 31 March 2026.
The RCR is submitted electronically through the FIC's goAML platform. The FIC does not accept manual submissions. Our worksheet helps you prepare and finalise your answers so you can transpose them into goAML with confidence — we don't submit on your behalf.
Yes. Completing the worksheet and downloading your answers costs nothing. You only pay if you choose to book a session with our compliance team to resolve questions you've flagged as unsure.
No. The RCR Readiness Check is free, and so is the session to work through any questions you have flagged. There is no cost or obligation for the RCR assistance. If you later ask us to help with broader compliance work, such as your RMCP or FICA programme, we will quote that separately and agree it with you in advance.
Failure to submit the RCR is non-compliance with the FIC Act and may result in administrative sanctions. Given the deadline, we recommend starting your worksheet as early as possible.
It's free, it saves as you go, and it tells you exactly where you need help. The deadline won't move — get ahead of it now.
Begin the worksheet →