Documents
Fact Sheets
04/10/2010 (19 documents)
- The Credit Contracts and Consumer Finance Act fact sheet June 2012 PDF (208 KB)
- Published on 14 Nov 2012
- Borrowing money or buying goods on credit - Know your rights and obligations fact sheet November 2012 PDF (196 KB)
- Published on 14 Nov 2012
- Consumer credit contracts overview fact sheet October 2012 PDF (289 KB)
- Published on 14 Nov 2012
- Disclosure fact sheet June 2012 PDF (316 KB)
- Published on 14 Nov 2012
- Initial disclosure under a consumer credit contract fact sheet September 2012 PDF (295 KB)
- Published on 14 Nov 2012
- Continuing disclosure under a consumer credit contract fact sheet September 2012 PDF (237 KB)
- Published on 14 Nov 2012
- Guarantee disclosure under a consumer credit contract fact sheet September 2012 PDF (229 KB)
- Published on 14 Nov 2012
- Request disclosure under a consumer credit contract fact sheet September 2012 PDF (232 KB)
- Published on 14 Nov 2012
- Variation disclosure under a consumer credit contract fact sheet September 2012 PDF (232 KB)
- Published on 14 Nov 2012
- Interest charges under a consumer credit contract fact sheet October 2012 PDF (197 KB)
- Published on 14 Nov 2012
- Payments under a consumer credit contract fact sheet October 2012 PDF (293 KB)
- Published on 14 Nov 2012
- Fees under a consumer credit contract fact sheet October 2012 PDF (278 KB)
- Published on 14 Nov 2012
- Credit-related insurance, extended warranties and repayment waivers fact sheet June 2012 PDF (300 KB)
- Published on 14 Nov 2012
- Consumer rights under a consumer credit contract - cancellation PDF (269 KB)
- Published on 14 Nov 2012
- Consumer rights under a consumer credit contract - hardship PDF (247 KB)
- Published on 14 Nov 2012
- Oppressive contracts - protections for borrowers fact sheet June 2012 PDF (265 KB)
- Published on 14 Nov 2012
- What happens if a lender breaches the CCCF Act? Fact sheet June 2012 PDF (324 KB)
- Published on 14 Nov 2012
- Consumer leases overview fact sheet June 2012 PDF (313 KB)
- Published on 14 Nov 2012
- Buy-back transactions overview fact sheet June 2012 PDF (302 KB)
- Published on 14 Nov 2012
Credit Matters
(2 documents)
- Credit Matters - Credit Contracts and Consumer Finance Act Update January 2008 Edition PDF (368 KB)
- 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 PDF (364 KB)
- 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 PDF (121 KB)
- 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 PDF (35 KB)
- Letter to businesses - Commission's Approach to Credit Contracts and Consumer Finance Act 2003 Section 45 - Fees or Charges passed on by creditor PDF (152 KB)
- 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 PDF (49 KB)
- 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.
