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Page last updated: 30 May 2025

Guidance

The guidance library contains FMA guidance notes, information sheets, guides and other useful reference material.

Guidance
01 Jul 2026
Record Keeping Guidance affordability assessments for borrowers and guarantors
Guidance on CCCFA record keeping for affordability assessments covering borrower and guarantor income expenses and repayment checks.
Guidance
01 Jul 2026
Consumer Credit Fees Guidelines
FMA consumer credit fees guidelines covering CCCFA rules, reasonable fees, disclosure requirements and lender obligations in New Zealand.
Guidance
01 Jul 2026
Disclosure for lenders Guidelines
Disclosure for lenders Guidelines
Guidance
30 Jun 2026
Interest charges under a consumer credit contract
FMA CCCFA interest charges rules covering disclosure calculation default interest and lender obligations for consumer credit contracts NZ.
Guidance
30 Jun 2026
Initial disclosure under a consumer credit contract
FMA CCCFA initial disclosure rules covering lender obligations required contract information borrower rights and disclosure requirements NZ.
Guidance
12 May 2026
Sustainability-related disclosure guidance
FMA guidance explaining how sustainability related claims must be clear substantiated and consistent under the FMC Act for financial products.
Guidance
01 May 2026
Audit quality - a director’s guide
Audit quality – a director’s guide offers guidance for directors and shareholders of New Zealand FMC reporting entities about how to improve audit ...
Guidance
30 Sept 2025
Complaints: Ensuring consumers are treated fairly
This information sheet provides information and examples to help financial service providers licensed under the Financial Markets Conduct Act 2013 ens ...
Guidance
06 May 2025
DIMS limit break and related party transaction reporting under the FMC Act
This guide is for Discretionary Investment Management Service (DIMS) licence holders. It explains how to complete online limit break and related-party ...

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