The Credit Contracts and Consumer Finance Act
This page provides an overview of the Credit Contracts and Consumer Finance Act. It explains what the Act covers, who it applies to and the Commerce Commission's role.
Borrowing money or buying goods on credit: Know your rights and obligations
If you borrow money or buy goods on credit there are things you need to know about the Credit Contracts and Consumer Finance Act.
Consumer credit contracts
- Consumer Credit Contracts - overview
- Disclosure
- Initial disclosure under a consumer credit contract
- Continuing disclosure under a consumer credit contract
- Guarantee disclosure under a consumer credit contract
- Request disclosure under a consumer credit contract
- Variation disclosure under a consumer credit contract
- Interest charges under a consumer credit contract
- Payments under a consumer credit contract
- Fees under a consumer credit contract
- Credit-Related Insurance, Extended Warranties and Repayment Waivers
- Consumer Rights under a consumer credit contract - Cancellation
- Consumer Rights under a consumer credit contract - Hardship
- Oppressive contracts - protection for borrowers
- What happens if a lender breaches the CCCF Act?
Consumer leases
- Consumer leases - overview
- Disclosure
- Credit-related insurance, extended warranties and repayment waivers
- Oppressive contracts - protections for borrowers
- What happens if a lender breaches the CCCF Act?
