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Chapter 5: Inquiries into and assessment of substantial hardship (borrowers)

The Responsible Lending Code provides guidance on how lenders can meet their responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. This is version 3 of the Code (published February 2021, and amended September 2021), in force from 1 December 2021 to 6 July 2022.

A document that seeks feedback on the draft updated Responsible Lending Code.

A minute from the Cabinet Economic Growth and Infrastructure Committee noting the support for changes to the Credit Contracts and Consumer Finance Act, ad agreeing to continue work to amend this act.

This addendum to the Responsible Lending Code provides additional guidance on lender responsibilities relating to COVID-19. The addendum expires on 1 February 2022.

Draft addendum to seek your feedback on the proposed additional guidance to the Responsible Lending Code to cover situations relating to COVID-19.

This 2012 Cabinet Paper sought additional policy decisions from Cabinet relating to the review of the Credit Contracts and Consumer Finance Act 2003, including in relation to reposession.

This 2011 Cabinet Minute outlines policy decisions to strengthen the Credit Contracts and Consumer Finance Act 2003 to ensure that credit providers lend and manage credit contracts responsibly.

This Regulatory Impact Statement provided an analysis of options to strengthen the Credit Contracts and Consumer Finance Act 2003 to ensure that credit providers lend and manage credit contracts responsibly.