Disclosure

Note: New Zealand credit law has changed. This information relates to contracts entered into before 6 June 2015. We are progressively updating our guidance to reflect these changes.

Disclosure overview

This page provides an overview of what disclosure is and why it is important. It explains what disclosure a lender must give a borrower and when.

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Initial disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must provide at the start of a consumer credit contract and how they must provide it.

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Continuing disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must provide throughout a consumer credit contract, and when and how they must provide it.

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Guarantee disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must give to someone guaranteeing a consumer credit contract, and when and how they must provide it.

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Request disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must provide if asked and when and how they must provide it.

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Variation disclosure under a consumer credit contract

This page explains what disclosure lenders must provide if making changes to a consumer credit contract and when and how they must provide it.

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