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    Like many organisations, we use technology on our website to collect information that helps us enhance the experience of our site. The cookies we use allow our website to work and help us to better understand what information is most useful to you.

    Finance professionals

    We licence regulate and supervise financial market participants and provide guidance and information on how to comply with obligations.

    Finance professionals

    We licence regulate and supervise financial market participants and provide guidance and information on how to comply with obligations.

    Get licensed

    Click here to apply for your Financial Institution licence.

    Read more

    Services

    Licensing, compliance and general information by specific role we supervise.

    Read more

    Consultations

    Consultation is an important part of our policy development process.

    Read more

    Guidance

    Search our document library for guidance reports and papers.

    Read more

    Regulatory approach

    Conduct expectations, monitoring and compliance, and enforcement.

    Learn more

    Get licensed

    Click here to apply for your Financial Institution licence.

    Read more

    Services

    Licensing, compliance and general information by specific role we supervise.

    Read more

    Consultations

    Consultation is an important part of our policy development process.

    Read more

    Guidance

    Search our document library for guidance reports and papers.

    Read more

    Regulatory approach

    Conduct expectations, monitoring and compliance, and enforcement.

    Learn more

    FOCUS AREA

    Financial Institution licensing is now open

    Any registered bank, licensed insurer, or licensed non-bank deposit taker in the business of providing one or more relevant services will need to hold a financial institution licence to continue operating, if that service is received by a consumer in New Zealand. 

    This means a financial institution that is in New Zealand but only provides relevant services or associated products to consumers outside New Zealand will not need to hold or operate under a financial institution licence.

    Read more about financial institution licensing

     

    The Services section of our website provides an overview of the compliance obligations of key financial market participants.

    Choose your role on the main 'Services' menu to find out who needs to comply,  your main obligations, information on licensing, fees and exemptions. 

    Choose your services type to find out more

    All licensing information is displayed under the specific "Services" section of the website. 

    Find out more about licensing of your specific role

    Quick links:

    Licensing for Financial Advice Providers

    Licensing for Financial Institutions

    Online services to conduct your licence application

    Video tutorial: FMA's online services - what to expect

    The Online Services video tutorial explains how to log in to Online Services and the various options available, including where to find forms in progress, submitted forms and invoices.

    The FMA has certain powers granted by legislation, to monitor compliance, investigate, and take enforcement action against conduct that may constitute a contravention of legislation, where it applies to financial market firms and individuals. 

    Find out more about the Financial Markets Conduct Act 2013 and other legislation we enforce

    It's important to only deal with licensed people and businesses because if things go wrong you will have access to free dispute resolution services. Find out further details including the provider's business address, list of services and the name of their independent dispute resolution scheme on the Financial Service Providers Register.

    The FMA uses a range of tools to support the functioning of financial markets and services, and compliance with legislation. This section contains information about conduct regulation, ethical finance, climate related disclosures, innovation in financial markets, AML/CFT and consultations. 

    View the Focus Areas section of the website

    Quick links:

    AML/CFT

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    Ethical finance

    Keep Connected
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    Latest updates

    Consultations
    04 Oct 2023
    Consultation: Proposed guidance and expectations for keeping proper climate-related disclosure records
    The FMA has now published the final guidance for keeping proper climate-related disclosure records, along with a summary of key themes and compilation ...
    Guidance
    04 Oct 2023
    Guidance for keeping proper climate-related disclosure records
    This guidance note is intended to help climate reporting entities (CREs) meet their statutory requirement to keep proper climate-related disclosure re ...
    Media releases
    04 Oct 2023
    FMA publishes final Climate Related Disclosures regime record keeping guidance
    Media release from the FMA announcing release of final guidance for Climate Reporting Entities (CREs) on meeting their record keeping obligations.
    Consultations
    03 Oct 2023
    ​Consultation: Renewal of class exemption for same class offers ASX/NZX-quoted financial products​
    CLOSED consultation for the Renewal of class exemption for same class offers ASX/NZX-quoted financial products with decision.
    Consultations
    29 Sept 2023
    Consultation: Proposed liquidity risk management guidance
    Have your say on proposed liquidity risk management guidance outlining the essential features of effective liquidity risk management for MIS managers. ...
    Media releases
    29 Sept 2023
    FMA consults on proposed liquidity risk management guidance
    FMA has released proposed guidance for Managed Investment Scheme (MIS) managers and their supervisors for effective liquidity risk management (LRM).
    Reports and papers
    28 Sept 2023
    Catalist market operator obligations review
    Findings from the FMA's annual review of how well Catalist is meeting its licensed market operator obligations.
    Media releases
    28 Sept 2023
    New Zealand and UK audit authorities agree mutual recognition of audit qualifications
    New Zealand and the UK have signed a Memorandum of Understanding on Reciprocal Arrangements (MOURA) to recognise audit qualifications in both the UK a ...
    Articles
    26 Sept 2023
    In the spotlight: John Horner
    John Horner discusses his motivating factors for taking "a new direction" in his career, transitioning from a long-standing law firm partnership to se ...

    View latest media releases

    Related content

    Climate related disclosures

    The New Zealand government has introduced a new regime making climate-related disclosures mandatory for some organisations. 

    Conduct of Financial Institutions (CoFI) legislation

    The Financial Markets (Conduct of Institutions) Amendment Act 2022 amends the Financial Markets Conduct Act 2013 to ensure certain financial institutions treat consumers fairly.

     

    Financial Institution licensing is now open

    Any registered bank, licensed insurer, or licensed non-bank deposit taker in the business of providing one or more relevant services will need to hold a financial institution licence to continue operating, if that service is received by a consumer in New Zealand. 

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