We have published guidelines to help consumers and businesses better understand the Credit Contracts and Consumer Finance Act.

This information relates to contracts entered into on or after 6 June 2015. For contracts entered into before this date, see the relevant guidance.

These publications are guidelines only, and reflect the Commerce Commission's view. They are not intended to be definitive, and should not be used instead of legal advice. Only the courts can make an authoritative ruling on breaches of the Credit Contracts and Consumer Finance Act.

Overview of changes to consumer credit law

This guide provides an overview of the key changes to consumer credit law, most of which will take effect from 6 June 2015.

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Consumer credit fees guidelines

These guidelines aim to provide lenders with guidance on what they should take into account in setting their credit fees.

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Disclosure for lenders Guidelines

These guidelines explain lenders’ disclosure obligations and how the lender responsibility principles apply. The guidance covers when, what and how lenders must make the different kinds of disclosure required under the CCCF Act, and reflects the changes to credit law that took effect in June 2015.

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Repossession Guidelines

These guidelines set out the Commission’s intended approach to enforcing the new repossession provisions of the Credit Contracts and Consumer Finance Act (CCCF Act). They explain the repossession rules and how the lender responsiblity principles apply before, during, and after repossession.

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