This page provides a range of background documents from the 2009–2015 review of consumer credit law.

The Government has made law changes to the Credit Contracts and Consumer Finance Act. This follows our 2018 review of the consumer credit law.

Contracts and Consumer Finance Regulations 2004 and the Responsible Lending Code. The first tranche of changes came into force on 7 July 2022, and the second tranche are in force on 4 May 2023.

The Ministry of Business, Innovation and Employment (MBIE) is asking for feedback on draft changes to the Credit Contracts and Consumer Finance Act (CCCFA) regulations and the Responsible Lending Code.

The Government will be reviewing consumer credit law to ensure settings are targeted appropriately to the risk profile of the lending. MBIE is developing terms of reference for the review. This section also includes information about previous reviews of consumer credit law.

In Aotearoa New Zealand, we aim to treat people fairly and with dignity. Modern Slavery and Worker Exploitation are serious forms of exploitation seen internationally and within New Zealand. Addressing these practices requires a whole-of-society response, undertaken through strong partnerships across government agencies and with civil society, businesses, unions, academia and international partners.