For contracts entered into on or after this date, see the relevant guidance.
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.
Overview of changes to consumer credit law
This guide provides an overview of the key changes to consumer credit law, most of which will take effect from 6 June 2015.
How the changes to consumer credit law apply to existing contracts
New Zealand’s consumer credit law is changing, with most changes to take effect from 6 June 2015. This fact sheet explains when and how the new rules will affect consumer credit contracts entered into before 6 June 2015.
Borrowing money or buying goods on credit: Know your rights and obligations
If you borrow money or buy goods on credit you need to know about the Credit Contracts and Consumer Finance Act.
Consumer credit contracts
- Consumer Credit Contracts - overview
- Disclosure
- Payments, interest charges, and fees
- Credit-Related Insurance, Extended Warranties and Repayment Waivers
- Consumer rights
- 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?
Buy-back transactions
- Buy-back transactions - overview
- Disclosure
- Oppressive contracts - protections for borrowers
- What happens if a lender breaches the CCCF Act?
Health sector fact sheets
The health series of fact sheets is designed to help health professionals work within competition and consumer laws.
