Consumer Credit

The Credit Contracts and Consumer Finance Act helps protect consumers when they’re borrowing money. It helps ensure consumers can make informed choices, know what they’re agreeing to, and can keep track of their debts.

In this section...

Changes to the Credit Contracts and Consumer Finance Act

Significant changes have been made to New Zealand’s main consumer credit law.

MBIE's Responsible Lending Code:

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Consumer Credit fact sheets

The Commerce Commission publishes fact sheets and guidelines for businesses and consumers wanting to better understand their obligations and rights under the Credit Contracts and Consumer Finance Act

Popular fact sheets:

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Guidelines for credit fees

These guidelines describe the Commission's enforcement approach to fees subject to the Act, in particular to establishment fees, other credit fees and default fees.

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Consumer Credit enforcement responses

Enforcement Responses include:

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