Employee indebtedness obligations require reporting and half-yearly statements, and breaches can lead to disciplinary action and insolvency reporting.

Employees must avoid habitual indebtedness and must report any legal proceedings for debt recovery or insolvency to the competent authority. An employee in debt must file a signed financial position statement on 30 June and 31 December, showing steps to rectify the position. False statements, failure to submit the statement, inability to liquidate debts within a reasonable time, or applying for insolvency protection may lead to disciplinary action. "In debt" means liabilities excluding fully secured liabilities exceed substantive pay for twelve months; "unable to liquidate" means unlikely to be free of debt within two years given resources and expenses.

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