Back
Page last updated: 08 June 2026

Consumer credit providers

If you provide consumer credit you must follow New Zealand consumer credit laws.

From 1 July 2026 the FMA will take on regulatory responsibility for the Credit Contracts and Consumer Finance Act (CCCFA). The financial service of being a creditor under a credit contract will become a licensed service under the remit of the Financial Markets Conduct Act 2013.

Leading up to and after the transfer, this page will be updated with more information and guidance for consumer credit providers. 

Topics covered in this section

CCCFA transfer overview

This information sheet provides an overview of the transfer of regulatory responsibility for consumer credit from the Commerce Commission to the FMA. 

CCCFA transfer FAQs

Here you’ll find answers to common questions about the transfer, including what’s changing, why it matters and what you need to do.

Consumer credit provider licensing

Read about our intended approach to consumer credit provider licensing and what you can expect as a licensed consumer credit provider.