During my visits to many poor, rural and urban communities, I received many complaints from beneficiaries about various types of deductions, including loans, deductions from multiple funeral schemes, electricity and airtime, from social grant payments, often without the recipient's knowledge or consent. According to the National Credit Regulator, illegal money lending is a huge and profitable business in South Africa. These lending businesses are, for the most part, illegal, predatory, immoral and exploitative in nature. I have established a ministerial task team comprising representatives from Black Sash, Social Development and Sassa to investigate this matter and to make recommendations on a possible course of action within the current payment environment.