Supporting Documents
Fact Sheets
(16 documents)
- Consequences of Breaching the CCCF Act fact sheet June 2010 Adobe Acrobat PDF (70 KB) (opens in a new window)
- Consumer Rights under a Consumer Credit Contract Prepayment Fact Sheet March 2010 Adobe Acrobat PDF (52 KB) (opens in a new window)
- Consumer Rights Under The Credit Contracts And Consumer Finance Act Hardship Fact Sheet June 2010 Adobe Acrobat PDF (48 KB) (opens in a new window)
- Credit Contracts and Consumer Finance Act Draft Guidelines for Consumer Fees 12 May 2010 Adobe Acrobat PDF (121 KB) (opens in a new window)
- These draft guidelines provide the Commerce Commission’s current views on the CCCF Act’s fees provisions, in relation to these aspects of the Act:
establishment fees;
credit fees;
and default fees.
The guidelines are in draft form pending further guidance from the courts. The Commission will modify the guidelines to reflect any significant court judgments or any amendments to the CCCF Act. - Credit Related Insurance Extended Warranties and Repayment Waivers Consumer Credit Contracts and Consumer Leases fact sheet June 2010 Adobe Acrobat PDF (57 KB) (opens in a new window)
- Disclosure and Other Requirements Buy Back Transactions of Land Fact Sheet June 2010 Adobe Acrobat PDF (86 KB) (opens in a new window)
- Disclosure And Other Requirements Consumer Leases Fact Sheet June 2010 Adobe Acrobat PDF (65 KB) (opens in a new window)
- Disclosure Requirements Fact Sheet June 2010 Adobe Acrobat PDF (83 KB) (opens in a new window)
- Disclosure Requirements Overview fact sheet June 2010 Adobe Acrobat PDF (83 KB) (opens in a new window)
- Oppressive Contracts under the Credit Contracts And Consumer Finance Act Fact Sheet June 2010 Adobe Acrobat PDF (57 KB) (opens in a new window)
- Overview of the Credit Contracts And Consumer Finance Act Fact Sheet June 2010 Adobe Acrobat PDF (64 KB) (opens in a new window)
- Rules relating to Fees Consumer Credit Contracts fact sheet June 2010 Adobe Acrobat PDF (63 KB) (opens in a new window)
- Rules relating to Interest Charges Consumer Credit Contracts fact sheet June 2010 Adobe Acrobat PDF (54 KB) (opens in a new window)
- Rules relating to Payments Consumer Credit Contracts fact sheet June 2010 Adobe Acrobat PDF (53 KB) (opens in a new window)
- Transactions Covered By The Credit Contracts And Consumer Finance Act Fact Sheet June 2010 Adobe Acrobat PDF (76 KB) (opens in a new window)
- Consumer Rights under the Credit Contracts and Consumer Finance Act Cancellation fact sheet January 2011 Adobe Acrobat PDF (38 KB) (opens in a new window)
Credit Matters
(2 documents)
- Credit Matters - Credit Contracts and Consumer Finance Act Update January 2008 Edition Adobe Acrobat PDF (368 KB) (opens in a new window)
- Credit Matters is a newsletter aimed at consumer advisory groups, focussed on the Commission's enforcement activities in relation to consumer credit.
- Credit Matters - Credit Contracts and Consumer Finance Act Update December 2008 Edition Adobe Acrobat PDF (364 KB) (opens in a new window)
- Credit Matters is a newsletter aimed at consumer advisory groups, focussed on the Commission's enforcement activities in relation to consumer credit. This issue focuses on the debtor’s statutory right to make hardship applications.
Guides for the Credit Industry
(4 documents)
- Credit Contracts and Consumer Finance Act Draft Guidelines for Consumer Fees 12 May 2010 Adobe Acrobat PDF (121 KB) (opens in a new window)
- These draft guidelines provide the Commerce Commission’s current views on the CCCF Act’s fees provisions, in relation to these aspects of the Act:
establishment fees;
credit fees; and
default fees.
The guidelines are in draft form pending further guidance from the courts. The Commission will modify the guidelines to reflect any significant court judgments or any amendments to the CCCF Act. - CCCF Act 2003 - Compliance Advice: Credit Related Insurance, Repayment Waivers, and Extended Warranties - June 2008 Adobe Acrobat PDF (35 KB) (opens in a new window)
- Letter to businesses - Commission's Approach to Credit Contracts and Consumer Finance Act 2003 Section 45 - Fees or Charges passed on by creditor Adobe Acrobat PDF (152 KB) (opens in a new window)
- Letter to businesses - Commission's Approach to Credit Contracts and Consumer Finance Act 2003 Section 45 - Fees or Charges passed on by creditor
- Credit Contracts and Consumer Finance Act - Compliance Issues You Should Know About Adobe Acrobat PDF (49 KB) (opens in a new window)
- The Credit Contracts and Consumer Finance Act 2003 came fully into force on 1 April 2005. The Commerce Commission has been responsible for promoting compliance with, and enforcing the CCCF Act.
