Document Library

Designation Notice 2026 - Financial Markets Conduct ECDD Holdings Limited Stablecoin

Financial Markets Conduct ECDD Holdings Limited Stablecoin Designation Notice 2026

Insurance operational resilience thematic

FMA insurance operational resilience thematic report showing governance outsourcing technology and business continuity insights for New Zealand insurers

FMA custody consultation summary

FMA custody consultation summary outlining NZ asset custody regulation risks framework investor protection and submission process.

Financial Markets Authority v Chance Voight Investment Corporation Ltd & Ors

PDF of FMA v Chance Voight High Court judgment covering liquidation of companies, costs ruling, and director liability decision in NZHC 1822

Financial Markets Conduct (FNZ Group) Exemption Notice 2026

CCCFA Repossession Guidelines

The repossession rules explain the rights and responsibilities of lenders and borrowers in relation to goods that can be, or have been, repossessed because of borrower default or the secured goods becoming ‘at risk’.

Disclosure before debt collection guidance

Debt collectors are required to disclose to all borrowers under relevant credit contracts, specific information prescribed in regulation before starting debt collection. View the rules around disclosure before debt collection in this guidance.

Guarantee disclosure Fact sheet

This fact sheet explains what disclosure lenders must give to someone guaranteeing a consumer credit contract, and when and how they must provide it.

Variation disclosure under a consumer credit contract Fact sheet

This fact sheet explains what disclosure lenders must provide if making changes to a consumer credit contract, and when and how they must provide it.

Request disclosure under a consumer credit contract Fact sheet

This fact sheet explains what disclosure lenders must provide if asked, and when and how they must provide it.

Continuing disclosure Fact sheet

This fact sheet explains what disclosure lenders must provide periodically throughout the life of a consumer credit contract, including when and how they must provide it.

Disclosure for lenders Guidelines

Lenders must provide key information to borrowers at the beginning of a loan, and at certain times during its term. This is called disclosure. This guidance explains the disclosure rules and how the lender responsibility principles might apply to disclosure.

Consumer credit fees guidelines

These guidelines explain the fees provisions, provide guidance on the kinds of costs and losses that can and cannot be recovered through fees, explain how we will assess whether a fee is lawful or unlawful, and describe our approach to enforcing the fees provisions.

Initial disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must provide at the start of a consumer credit contract and how they must provide it.

Record Keeping Guidance affordability assessments for borrowers and guarantors

This guidance focusses on the record keeping requirement for inquiries into whether a borrower is likely to make the payments under the agreement and guarantor is likely to comply with the guarantee without suffering substantial hardship.

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