Page last updated: 05 September 2022

Everyday finance

We regulate the conduct of banks and insurance companies. Most financial service providers must be licensed by the Financial Markets Authority. We monitor and enforce their conduct and the standards by which they operate.

These pages explain everyday financial services like banking and insurance, what conduct you should expect from them and what to do when things don't go as expected. 

Key things you need to know about your everyday finance


Know your rights

Most financial advice providers must be licensed by the Financial Markets Authority and comply with a code of professional conduct.

Understand your rights


We monitor insurers and the financial advisers selling insurance products to ensure they deliver outcomes that protect you.

Let's talk insurance


Conduct of Financial Institutions (CoFI) legislation gives the FMA more powers to supervise and monitor banks. 

What you need to know