Report: Working Towards a Fairer Consumer Credit Market

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Working Towards a Fairer Consumer Credit Market, A study of the issues in New Zealand’s consumer credit market and proposals for reform

Publication date: April 2019

Authors: Victoria Stace, Victoria University of Wellington and Professor Jeremy Finn, University of Canterbury with FinCap

This report sets out the interim results of the research of the FinCap/Community Law Canterbury/Victoria University/BERL team on interest rate caps. The research looked at issues in New Zealand’s consumer credit market and proposals for reform. In particular, this report focused on interest rate caps, including their use and impact in other jurisdictions and how might they contribute to a fairer consumer credit regime in New Zealand.

Related Borrin Foundation Grants: Creating just consumer credit law

Also see the related reports from the project:

Survey of financial mentoring and budgeting services in Aotearoa on high cost loans, debt collection and other consumer credit issues (2018) 

Working Towards a Fairer Consumer Credit Market: A study of the issues in New Zealand’s consumer credit market and proposals for reform: Enforcement Issues (2019)

Working Towards a Fairer Consumer Credit Market: A study of the issues in New Zealand’s consumer credit market and proposals for reform: Debt Collection‍ (2019)