Initial disclosure under a consumer credit contract

Following the transfer of the regulation of the Credit Contracts and Consumer Finance Act (CCCFA) to the Financial Markets Authority (FMA) on 1 July 2026 all references in this document to the Commerce Commission should be read as being the FMA.

As part of the transfer process amendments were made to the CCCFA. This document has been impacted by those changes in the following ways:

References to the Fair Trading Act are out of date; the relevant legislation is Part 2 of the Financial Markets Conduct Act. Please note that some of the links in the document are no longer accessible.

The FMA’s contact information can be found here.

Download Initial disclosure under a consumer credit contract [435 KB]