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  • Disclosure obligations

    You must provide key information to borrowers before a loan is entered into, and at certain times during its life.

  • High cost loans

    If you provide high-loans, there are specific rules that you will need to comply with from 1 June 2020.

  • Lender responsibility principles

    When providing credit, you must ensure you comply with the lender responsibility principles. The lender responsibility principles impose obligations on lenders when advertising, before entering into a loan, and during all subsequent dealings with

  • Advertising your product or service

    Whenever you advertise your product or service you must not use words, imagery or any unfair sales practices which are likely to mislead or deceive consumers.

  • Unfair contract terms

    As a consumer you probably enter a number of contracts every day on-line or in a store – even if you do not realise it.

  • Hardship applications

    If a borrower makes a hardship application, you are required to consider it and follow a specific process.

  • Annual Return

    Lenders must provide an annual return to the Commission containing information about loans entered during the year.

  • COVID-19

    COVID-19 brings with it significant challenges for our economy, for businesses and for New Zealanders.

  • Make a complaint

    If you think a business or person isn't complying with one of the laws we enforce, you can make a complaint to us.

  • Borrowing money and buying on credit

    If you have a mortgage, use a credit or store card, have a personal or cash loan or an arranged overdraft, or buy goods or services on credit, you have probably entered a consumer credit contract.