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  1. 31 March 2025

    Everyday finance

    These pages explain how everyday financial services like banking and insurance are impacted by the Conduct of Financial Institutions (CoFI) Act, what conduct you should expect from them and what to do when things don't go as expected.

  2. 21 July 2022

    Research

    Research conducted by the FMA about financial service providers, products and consumers is published on this page.

  3. 20 March 2025

    Key terms under the CoFI regime

    The Financial Markets (Conduct of Institutions) Amendment Act 2022 has introduced some key terms to describe the framework for regulating the conduct of financial institutions in New Zealand – also known as the CoFI regime. This page lists some of the key terms and their definitions.

  4. 12 March 2025

    Working with a financial adviser

    Learn what it's like working with an adviser. All advisers must follow the new Code of professional conduct for Financial Advice Services.

  5. 31 March 2025

    Banking

    The FMA regulates certain products that may be offered by banks (e.g. managed funds) to you. The FMA is interested in the overall conduct of banks. THe FMA does not have a direct legislative mandate for regulating the conduct of providers of core retail banking (such as lending, credit and bank accounts).

  7. 7 April 2025

    Investment planning and financial advice

    The FMA talks about designing an investment plan and giving financial advice while meeting with your obligations under the Financial Markets Conduct (FMC) Act 2013.

  8. 10 April 2025

    Financial Advice Provider (FAP)

    A financial advice provider (FAP) is an individual or entity (e.g. a company) that provides a financial advice service. Find out more about licensing, registration, costs and ongoing obligations as well as how to comply with the new Code of Professional Conduct for financial advice services including competence, knowledge and skill requirements as well as requirements for ethical behaviour, conduct and client care.

  9. 30 May 2025

    Offers under the FMC Act

    Anyone offering financial products for issue or sale needs to comply with financial markets legislation. The Financial Markets Conduct Act 2013 (FMC Act) defines these people as issuers. See more on how they are defined and other disclosure requirements.

  10. 5 December 2024

    Focus areas

    The FMA uses a range of tools to support the functioning of financial markets and services, and compliance with legislation. This section contains information about conduct regulation, ethical finance, climate related disclosures, innovation in financial markets, AML/CFT and consultations. 

  11. 31 January 2025

    Services

    Explore the FMA's comprehensive business services including licensing, supervision, and compliance for financial advisers, FAPs, DIMS providers, MIS managers, and other financial entities. Stay up to date with regulatory obligations, fair conduct programmes, and support tools to meet New Zealand's financial market standards.

  12. 20 May 2022

    All legislation overseen by the FMA

    FMA oversees a range of legislation. We also have certain powers, monitor compliance, investigate and enforce conduct that may consitute a contravention of other legislation where it applies to financial market firms and individuals. View all legislation we oversee on this page.

  14. 21 December 2022

    Enforcing the law

    Enforcement and deterrence is a critical part of the work that the FMA undertakes. It plays a key role in raising standards and responding to conduct that presents the greatest risk of harm to our financial markets. Find out more about our approach to enforcement here.

  15. 26 March 2025

    Make a complaint

    We investigate a range of complaints about the conduct of individuals and businesses that operate in our financial markets. This page talks about when you should complain to us and who better to contact for complaints that fall outside of our remit. You will also find out how to make a complaint and the information we need in order to process a complaint.