Key documents
Customer and Product Data Bill
Read the Customer and Product Data Bill(external link) — New Zealand Legislation
Cabinet papers, Cabinet minutes and regulatory impact analysis
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Establishing a consumer data right (2021) [PDF 176KB]
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Establishing a consumer data right – Minute of Decision [PDF 177KB]
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Regulatory Impact Statement: Establishing a consumer data right [PDF 1MB]
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Further decisions on the consumer data right (2022) [PDF 1.6MB]
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Consumer Data Right: Further Decisions – Minute of Decision [PDF 144KB]
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Supplementary Regulatory Impact Statement: Further decisions on establishing a consumer data right [PDF 1.5MB]
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Consumer Data Right: release of exposure draft Bill — Minute of Decision [PDF 173KB]
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Consumer Data Right: release of exposure draft Bill (2023) [PDF 217KB]
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Customer and Product Data Bill: Approval for Introduction [PDF 212KB]
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Customer and Product Data Bill: Approval for Introduction – Minute of Decision [PDF 169KB]
Discussion papers and submissions
Discussion document on exploring a consumer data right for the banking sector (closed 10 October)
2023 discussion document on the exposure draft bill (closed 24 July 2023)
A summary of changes to the Bill as a result of the exposure draft [PDF, 290 KB]
2020 discussion document on establishing a consumer data right (closed 19 October 2020)
Other documents of note
In 2019, the former Minister of Commerce and Consumer Affairs engaged with the industry to advance sector-led open banking initiatives.
Read the letter to New Zealand banks (or ‘API Providers’) [PDF, 281 KB]
Find out more about our work on regulating the retail payment systems
Last updated: 20 February 2025
Last reviewed: 01 August 2023