Consumer credit research

This page provides research, evaluation and monitoring in relation to consumer credit including evaluation of the Credit Contract and Consumer Finance Act (CCCFA).

Consumer credit reforms 2015

The CCCFA Baseline Evaluation Report presents the findings of research on the consumer credit market. It is intended to represent the state of the market before the June 2015 reforms led to any changes in behaviour.

The findings of this report will aid ongoing monitoring and evaluation of the 2015 consumer credit reforms.

CCCFA baseline evaluation report [PDF, 1.5 MB]

The CCCFA Baseline Evaluation report draws on findings from the following 2 reports:

CCCFA baseline consumer survey 2015 [PDF, 2.3 MB]

Desk-based lender survey 2015 [PDF, 832 KB]

The following 3 research reports informed the 2009-2015 review of consumer credit law:

Background statistics for considering credit issues 2011  [PDF, 1.7 MB]

Using a third tier lender: experiences of NZ borrowers 2011  [PDF, 1.3 MB]

Third-tier lender desk-based research 2011 [PDF, 234 KB]