SubmissionFinCap strongly opposes the removal of credit contract and consumer regulations, especially given the analysis behind this decision has been…
No whānau in Aotearoa should have to endure extended hardship because of displacement or loss of work due to a…
Whānau should not face a position where lending that was always going to be unaffordable causes or compounds hardship.
Everyone in Aotearoa should have easy access to helpful information when engaging with public services.
A functional cash system must be maintained as a safety net to stop absolute exclusion from full social participation but…
Water services are essential services that whānau need for health, wellbeing and social participation.
Clear rights to responsible conduct from lenders are important as lending can cause significant and disproportionate harm to whānau.
Energy hardship can see whānau stuck going without what they need for health, wellbeing and social participation.
In Aotearoa the use of money is essential for the health, wellbeing and social participation of whānau.
Too often FinCap hears from financial mentors who are concerned that some in Aotearoa are denied access to bank accounts…
Where the appliances at a residential property already utilise gas then gas is an essential service that is necessary for…
Effective enforcement from regulators is a critical cornerstone for achieving a well-functioning consumer protection framework in Aotearoa.