Cost recovery impact statement prepared by MBIE to support decisions about fees for licensing of lenders and applications to the FMA for exemptions or declarations under the CCCFA.
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Regulations approved by Cabinet to support effective implementation of consumer credit reforms on 1 July 2026, including approval of application fees for licensing, exemptions and declarations.
pdf, 128 KBReview of consumer credit law
The Government recently reviewed consumer credit law as part of a wider reform process for financial services. Information about this process, as well as previous reform processes, is accessible below.
2024-26 financial services reforms
The Government has progressed reforms to streamline financial services, with just one bill yet to be passed.
Weekly fuels importer cost and margin restart analysis
MBIE paused the publication of its importer cost and importer margin series between 18 March 2026 and 1 July 2026 in response to increased volatility resulting from the 2026 Middle East conflict. These series have since resumed publication.
Background to the 2009–2015 review of consumer credit law
This page provides a range of background documents from the 2009–2015 review of consumer credit law.
Summary: Changes to the Credit Contracts and Consumer Finance Regulations 2004 and Responsible Lending Code following the 2022 review
Changes have been made to the affordability assessment requirements under the Credit Contracts and Consumer Finance Regulations 2004 (the Regulations) and Responsible Lending Code (the Code). This is in response to the review of the December 2021 changes to the Credit Contracts and Consumer Finance Act 2003.
Summary: Findings from the review of the December 2021 credit law changes
During early 2022, the Ministry of Business, Innovation and Employment, in collaboration with the Council of Financial Regulators, investigated whether the 1 December 2021 changes to the Credit Contracts and Consumer Finance Act (CCCFA) were having unintended impacts.
Review of consumer credit law 2009–2015
This page summarises the changes to the consumer credit laws that resulted from the review that took place between 2009 and 2015.
Changes to consumer credit law 2020
The Government has made law changes to the Credit Contracts and Consumer Finance Act. This follows our 2018 review of the consumer credit law.