<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type='text/xsl' href='https://fincap.org.nz/sitemap.xml/styleSheet'?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/fleur-howard</loc>
            <lastmod>2026-06-01T10:42:09+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/mL2lSDh3Ah-284.jpeg</image:loc>
                    <image:title>mL2lSDh3Ah-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/services-tools</loc>
            <lastmod>2026-06-01T10:02:17+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/2022-fincap-nzba-partnership-report</loc>
            <lastmod>2026-05-27T14:58:15+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/-Kv7kcmu0M-804.webp</image:loc>
                    <image:title>-Kv7kcmu0M-804</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/bank-accounts-a-key-tool-for-reducing-ex-prisoner-reoffending</loc>
            <lastmod>2026-05-27T14:58:15+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/QobJiys1tf-960.webp</image:loc>
                    <image:title>QobJiys1tf-960</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/a-day-in-the-life</loc>
            <lastmod>2026-05-27T07:02:59+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2026/buy-now-pay-later-reforms-not-preventing-economic-harm</loc>
            <lastmod>2026-05-27T14:58:16+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/_o5jDyBJAr-428.webp</image:loc>
                    <image:title>_o5jDyBJAr-428</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/calculating-the-risk-of-co-signing-a-loan</loc>
            <lastmod>2026-05-27T07:03:06+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/financial-mentoring-explained-in-10-minute-video</loc>
            <lastmod>2026-05-27T14:58:18+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/qrc62vUQ8X-3840.webp</image:loc>
                    <image:title>qrc62vUQ8X-3840</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2025/a-handy-guide-to-credit-ratings</loc>
            <lastmod>2026-05-27T15:07:37+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/dU34_UfGMW-1000.webp</image:loc>
                    <image:title>dU34_UfGMW-1000</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2022/dont-feel-silly-this-season</loc>
            <lastmod>2026-05-27T15:07:37+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/christmas-basket-scaled.webp</image:loc>
                    <image:title>christmas-basket-scaled</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2024/reduce-your-debts</loc>
            <lastmod>2026-05-27T15:07:38+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/debt-mural.webp</image:loc>
                    <image:title>debt-mural</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/jake-lilley</loc>
            <lastmod>2026-06-01T10:42:09+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/TPgAxo34SX-284.jpeg</image:loc>
                    <image:title>TPgAxo34SX-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/financial-mentoring</loc>
            <lastmod>2026-06-01T10:02:17+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/a-quick-guide-to-borrowing-money-commerce-commission</loc>
            <lastmod>2026-05-27T14:58:15+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Fcp5xeIRsW-1280.webp</image:loc>
                    <image:title>Fcp5xeIRsW-1280</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2026/call-for-industry-co-funding-to-support-essential-financial-mentors</loc>
            <lastmod>2026-05-27T14:58:17+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/XL7f38qr32-1200.webp</image:loc>
                    <image:title>XL7f38qr32-1200</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/fincap-has-responded-to-telecommunications-sector-review</loc>
            <lastmod>2026-05-27T14:58:18+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/EtqigBQGEA-1280.webp</image:loc>
                    <image:title>EtqigBQGEA-1280</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/fincap-releases-voices-report-2023</loc>
            <lastmod>2026-05-27T14:58:18+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/BFqLvSzSMQ-552.webp</image:loc>
                    <image:title>BFqLvSzSMQ-552</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/media-release-fincap-welcomes-government-announcement-of-3-million-funding-boost-for-building-financial-capability-services</loc>
            <lastmod>2026-05-27T14:58:20+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/9xSpXod6tb-7188.webp</image:loc>
                    <image:title>9xSpXod6tb-7188</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-1</loc>
            <lastmod>2026-05-27T14:58:21+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Ci5JT3VA0J-5184.webp</image:loc>
                    <image:title>Ci5JT3VA0J-5184</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2025/avoiding-online-scams</loc>
            <lastmod>2026-05-27T15:07:37+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/O_93jMQfue-872.webp</image:loc>
                    <image:title>O_93jMQfue-872</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2022/financial-plan-of-action</loc>
            <lastmod>2026-05-27T15:07:37+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/uPsi7mCvDo-1440.webp</image:loc>
                    <image:title>uPsi7mCvDo-1440</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2024/tasty-meals-dont-have-to-break-the-bank-3</loc>
            <lastmod>2026-05-27T15:07:38+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/screenshot-2024-05-09-at-11-19-11-am.png</image:loc>
                    <image:title>screenshot-2024-05-09-at-11-19-11-am</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/iuni-perez</loc>
            <lastmod>2026-06-01T10:42:09+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/bKKPShEnYe-284.jpeg</image:loc>
                    <image:title>bKKPShEnYe-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/about</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/at-fincap-we-believe-every-whanau</loc>
            <lastmod>2026-05-27T14:58:15+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/90gQNyW88h-7360.webp</image:loc>
                    <image:title>90gQNyW88h-7360</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2026/finance-and-expenditure-committee-oral-submission</loc>
            <lastmod>2026-05-27T14:58:18+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/DaY7a2IzWG-1176.webp</image:loc>
                    <image:title>DaY7a2IzWG-1176</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/fincap-submission-on-bnpl-regulations</loc>
            <lastmod>2026-05-27T14:58:19+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/49SmqrHH8O-5472.webp</image:loc>
                    <image:title>49SmqrHH8O-5472</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/fincap-voices-report-2025-released</loc>
            <lastmod>2026-05-27T14:58:19+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/F8CD6knKsZ-707.webp</image:loc>
                    <image:title>F8CD6knKsZ-707</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-10</loc>
            <lastmod>2026-05-27T14:58:21+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/6ysTHH6wu0-4608.webp</image:loc>
                    <image:title>6ysTHH6wu0-4608</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/nzba-media-release-spotlight-on-a-day-in-the-life-of-a-financial-mentor</loc>
            <lastmod>2026-05-27T14:58:23+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Y3WDCE2nIj-1887.webp</image:loc>
                    <image:title>Y3WDCE2nIj-1887</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2025/guide-to-taking-out-a-loan</loc>
            <lastmod>2026-05-27T15:07:38+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/Xvm23FIVHt-600.webp</image:loc>
                    <image:title>Xvm23FIVHt-600</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2022/housing-crisis-low-income-left-exposed</loc>
            <lastmod>2026-05-27T15:07:38+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/key.jpg</image:loc>
                    <image:title>key</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2024/the-role-of-financial-mentors</loc>
            <lastmod>2026-05-27T15:07:39+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/the-role-of-mentors.webp</image:loc>
                    <image:title>the-role-of-mentors</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team</loc>
            <lastmod>2026-06-01T10:40:19+12:00</lastmod>
            <changefreq>hourly</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/nige-cox</loc>
            <lastmod>2026-06-01T10:42:09+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/7W_5GJrssY-284.jpeg</image:loc>
                    <image:title>7W_5GJrssY-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/don-t-assume-anything-the-rewarding-career-of-a-financial-mentor</loc>
            <lastmod>2026-05-27T14:58:17+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/nmpwJeeA5f-1536.webp</image:loc>
                    <image:title>nmpwJeeA5f-1536</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/fincap-welcomes-fta-penalties-but-more-needs-to-be-done</loc>
            <lastmod>2026-05-27T14:58:19+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/GyNxgmF5zM-6240.webp</image:loc>
                    <image:title>GyNxgmF5zM-6240</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/media-release-fincap-calls-for-robust-credit-law-to-protect-borrowers</loc>
            <lastmod>2026-05-27T14:58:20+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/mEnuLY_xi5-766.webp</image:loc>
                    <image:title>mEnuLY_xi5-766</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-11</loc>
            <lastmod>2026-05-27T14:58:22+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/o7pNzBd5fZ-5029.webp</image:loc>
                    <image:title>o7pNzBd5fZ-5029</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/put-on-hold</loc>
            <lastmod>2026-05-27T14:58:24+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/HTmFnQd--8-5472.webp</image:loc>
                    <image:title>HTmFnQd--8-5472</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2026/social-services-and-community-committee-hear-our-request-for-funding</loc>
            <lastmod>2026-05-27T14:58:24+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/s484FlrIG_-1245.webp</image:loc>
                    <image:title>s484FlrIG_-1245</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2022/simple-budget</loc>
            <lastmod>2026-05-27T15:07:38+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/Xvm23FIVHt-600.webp</image:loc>
                    <image:title>Xvm23FIVHt-600</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/resources-news/2025/withdrawing-from-kiwisaver</loc>
            <lastmod>2026-05-27T15:07:39+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/moneytalks-import/JK0EWJEoJc-1500.webp</image:loc>
                    <image:title>JK0EWJEoJc-1500</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/paula-arkinstall</loc>
            <lastmod>2026-06-01T10:42:09+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/SCCSkAyMVr-284.jpeg</image:loc>
                    <image:title>SCCSkAyMVr-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog</loc>
            <lastmod>2026-06-05T10:37:42+12:00</lastmod>
            <changefreq>always</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/fincap-welcomes-new-board-members</loc>
            <lastmod>2026-05-27T14:58:19+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/nxVpoU47wT-600.webp</image:loc>
                    <image:title>nxVpoU47wT-600</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/media-release-cccfa-safe-lending-laws-mean-financial-wellbeing-for-whanau</loc>
            <lastmod>2026-05-27T14:58:20+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/90gQNyW88h-7360.webp</image:loc>
                    <image:title>90gQNyW88h-7360</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-12</loc>
            <lastmod>2026-05-27T14:58:22+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/o7pNzBd5fZ-5029.webp</image:loc>
                    <image:title>o7pNzBd5fZ-5029</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/paying-the-price-a-report-into-issues-prisoners-face-around-access-to-banking</loc>
            <lastmod>2026-05-27T14:58:24+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/SvcceoPfVY-6240.webp</image:loc>
                    <image:title>SvcceoPfVY-6240</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-a-proposed-framework-for-debt-to-government</loc>
            <lastmod>2026-05-27T14:58:25+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/GyNxgmF5zM-6240.webp</image:loc>
                    <image:title>GyNxgmF5zM-6240</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2026/submission-on-budget-policy-statement-2026</loc>
            <lastmod>2026-05-27T14:58:26+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/_oU3JUTuGn-516.webp</image:loc>
                    <image:title>_oU3JUTuGn-516</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/deanna-harrison</loc>
            <lastmod>2026-06-01T10:42:09+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/ldGrzwINzq-284.jpeg</image:loc>
                    <image:title>ldGrzwINzq-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/training</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/fincap-wrap-up-2025</loc>
            <lastmod>2026-05-27T14:58:19+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/dZ-2RkuihU-1414.webp</image:loc>
                    <image:title>dZ-2RkuihU-1414</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/media-release-fincap-calls-on-buy-now-pay-later-lenders-to-do-the-right-thing</loc>
            <lastmod>2026-05-27T14:58:20+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/kB-0CSdA-J-8140.webp</image:loc>
                    <image:title>kB-0CSdA-J-8140</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-13</loc>
            <lastmod>2026-05-27T14:58:22+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/i9EUNCPedC-5732.webp</image:loc>
                    <image:title>i9EUNCPedC-5732</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-consumer-credit-legislation</loc>
            <lastmod>2026-05-27T14:58:25+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/kB-0CSdA-J-8140.webp</image:loc>
                    <image:title>kB-0CSdA-J-8140</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-child-support-pass-on-act-amendment-bill</loc>
            <lastmod>2026-05-27T14:58:27+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/x43sUsgOfc-5184.webp</image:loc>
                    <image:title>x43sUsgOfc-5184</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/bella-tioro</loc>
            <lastmod>2026-06-01T10:42:09+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/-f4lBqGqdK-284.jpeg</image:loc>
                    <image:title>-f4lBqGqdK-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/become-a-financial-mentor</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/impacts-of-covid-19-on-building-financial-capability</loc>
            <lastmod>2026-05-27T14:58:20+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/IQ9cwKpayZ-900.webp</image:loc>
                    <image:title>IQ9cwKpayZ-900</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/media-release-fincap-welcomes-the-conduct-of-financial-institution-reform-focus-on-culture-change-at-our-banks-and-insurance-companies</loc>
            <lastmod>2026-05-27T14:58:21+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/tqtKjsExew-5760.webp</image:loc>
                    <image:title>tqtKjsExew-5760</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-15</loc>
            <lastmod>2026-05-27T07:03:47+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on</loc>
            <lastmod>2026-05-27T14:58:25+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/yaluhxLV58-640.webp</image:loc>
                    <image:title>yaluhxLV58-640</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-consumer-care-options</loc>
            <lastmod>2026-05-27T14:58:28+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/l0cmTn_g99-4032.webp</image:loc>
                    <image:title>l0cmTn_g99-4032</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/moneytalks/moneytalks-proactive-referral-form</loc>
            <lastmod>2026-06-05T14:00:37+12:00</lastmod>
            <changefreq>hourly</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/angela-smart</loc>
            <lastmod>2026-05-27T07:57:00+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/uy2Tio77vy-284.jpeg</image:loc>
                    <image:title>uy2Tio77vy-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/building-financial-capability</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/more-than-just-a-budget-financial-mentors-facing-complex-issues</loc>
            <lastmod>2026-05-27T07:03:36+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-16</loc>
            <lastmod>2026-05-27T14:58:22+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/IZvh_frjTG-1536.webp</image:loc>
                    <image:title>IZvh_frjTG-1536</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-access-to-basic-transaction-accounts</loc>
            <lastmod>2026-05-27T14:58:25+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/1P3iYgd509-275.webp</image:loc>
                    <image:title>1P3iYgd509-275</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-bank-accounts-accessibility</loc>
            <lastmod>2026-05-27T14:58:26+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/ZsSbW32DGF-5157.webp</image:loc>
                    <image:title>ZsSbW32DGF-5157</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-draft-product-disclosure-retail-service-bundling-guidelines</loc>
            <lastmod>2026-05-27T14:58:29+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/o7pNzBd5fZ-5029.webp</image:loc>
                    <image:title>o7pNzBd5fZ-5029</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/sign-up</loc>
            <lastmod>2026-06-01T16:13:32+12:00</lastmod>
            <changefreq>hourly</changefreq>
            <priority>1</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/rocky-webster</loc>
            <lastmod>2026-06-01T10:42:09+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Is9LYcmAgH-284.jpeg</image:loc>
                    <image:title>Is9LYcmAgH-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/campaigns</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/new-blog</loc>
            <lastmod>2026-05-27T14:58:21+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/v3iNELU2nj-4000.webp</image:loc>
                    <image:title>v3iNELU2nj-4000</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-5</loc>
            <lastmod>2026-05-27T14:58:23+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/kB-0CSdA-J-8140.webp</image:loc>
                    <image:title>kB-0CSdA-J-8140</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-access-to-basic-transaction-accounts-copy</loc>
            <lastmod>2026-05-27T14:58:25+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/7wGKclNeQY-560.webp</image:loc>
                    <image:title>7wGKclNeQY-560</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-bos-changes</loc>
            <lastmod>2026-05-27T07:04:11+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-ifso-independent-review</loc>
            <lastmod>2026-05-27T14:58:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/q9KujTOrKA-7360.webp</image:loc>
                    <image:title>q9KujTOrKA-7360</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/jocelyn-kua</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Et2tKl79Jr-284.jpeg</image:loc>
                    <image:title>Et2tKl79Jr-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/client-voices</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/new-blog-3</loc>
            <lastmod>2026-05-27T14:58:23+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/l0cmTn_g99-4032.webp</image:loc>
                    <image:title>l0cmTn_g99-4032</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-7</loc>
            <lastmod>2026-05-27T14:58:23+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Uqdmp0uyAy-1334.webp</image:loc>
                    <image:title>Uqdmp0uyAy-1334</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-bos-review-issues-paper</loc>
            <lastmod>2026-05-27T14:58:26+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/iwKPOvuxmP-3840.webp</image:loc>
                    <image:title>iwKPOvuxmP-3840</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-consumer-guarantees-right-to-repair-amendment-bill</loc>
            <lastmod>2026-05-27T14:58:28+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/zM8nSGHJJD-838.webp</image:loc>
                    <image:title>zM8nSGHJJD-838</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-market-study-into-personal-banking-services-preliminary-issues-paper</loc>
            <lastmod>2026-05-27T14:58:43+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/vTt47M9Rph-5191.webp</image:loc>
                    <image:title>vTt47M9Rph-5191</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/donna-allan</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/I-vk3G_I2--284.jpeg</image:loc>
                    <image:title>I-vk3G_I2--284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/code-of-ethics</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/new-blog-8</loc>
            <lastmod>2026-05-27T14:58:23+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Fcp5xeIRsW-1280.webp</image:loc>
                    <image:title>Fcp5xeIRsW-1280</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/submission-on-a-new-zealand-income-insurance-scheme</loc>
            <lastmod>2026-05-27T07:04:04+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-bos-rule-changes</loc>
            <lastmod>2026-05-27T07:04:13+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-economic-regulation-of-water-services</loc>
            <lastmod>2026-05-27T14:58:30+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Ci5JT3VA0J-5184.webp</image:loc>
                    <image:title>Ci5JT3VA0J-5184</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-mymahi-petition</loc>
            <lastmod>2026-05-27T14:58:44+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/tqtKjsExew-5760.webp</image:loc>
                    <image:title>tqtKjsExew-5760</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/kerry-francis</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/1G8z_62hal-284.jpeg</image:loc>
                    <image:title>1G8z_62hal-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/communities-of-practice</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/report-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</loc>
            <lastmod>2026-05-27T07:04:00+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-discussion-document-unlocking-value-from-our-customer-data</loc>
            <lastmod>2026-05-27T14:58:28+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/-fnN1a6Q7z-3999.webp</image:loc>
                    <image:title>-fnN1a6Q7z-3999</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/submission-on-exposure-draft-of-updated-credit-contract-and-consumer-finance-regulations-2004-and-responsible-lending-code</loc>
            <lastmod>2026-05-27T07:04:27+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-financial-markets-conduct-amendment-bill</loc>
            <lastmod>2026-05-27T14:58:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/wxbT0xgjS--225.webp</image:loc>
                    <image:title>wxbT0xgjS--225</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-retailer-financial-stress-data-request-consultation-paper</loc>
            <lastmod>2026-05-27T14:58:47+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/5nD81Fu_NE-4000.webp</image:loc>
                    <image:title>5nD81Fu_NE-4000</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/renee-rewi</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/5bAbR-rz8a-284.jpeg</image:loc>
                    <image:title>5bAbR-rz8a-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/contact</loc>
            <lastmod>2026-05-29T14:14:34+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/submission-on-aml-cft-act-consultation-document</loc>
            <lastmod>2026-05-27T14:58:26+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Fcp5xeIRsW-1280.webp</image:loc>
                    <image:title>Fcp5xeIRsW-1280</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-ea-s-consumer-protection-standards</loc>
            <lastmod>2026-05-27T07:04:22+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/submission-on-fair-chance-for-all-interim-report</loc>
            <lastmod>2026-05-27T14:58:33+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/-Mydt_t5h5-4032.webp</image:loc>
                    <image:title>-Mydt_t5h5-4032</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-financial-service-providers-registration-and-dispute-resolution-amendment-bill</loc>
            <lastmod>2026-05-27T14:58:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Gbp5CrNldV-1280.webp</image:loc>
                    <image:title>Gbp5CrNldV-1280</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-the-consultation-paper-for-managing-climate-related-risks</loc>
            <lastmod>2026-05-27T14:58:50+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/CPXDphLIAV-5932.webp</image:loc>
                    <image:title>CPXDphLIAV-5932</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/rosser-thornley</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/CfQQ-3UL70-284.jpeg</image:loc>
                    <image:title>CfQQ-3UL70-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/fmic</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/submission-on-defining-energy-hardship-in-aotearoa</loc>
            <lastmod>2026-05-27T14:58:28+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/6ysTHH6wu0-4608.webp</image:loc>
                    <image:title>6ysTHH6wu0-4608</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-effective-dispute-resolution-discussion-document</loc>
            <lastmod>2026-05-27T14:58:30+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/7b04XP_cAR-4096.webp</image:loc>
                    <image:title>7b04XP_cAR-4096</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/submission-on-plain-language-bill</loc>
            <lastmod>2026-05-27T14:58:45+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/pBv0sX0Dm0-4032.webp</image:loc>
                    <image:title>pBv0sX0Dm0-4032</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-review-of-retirement-income-policies-2025</loc>
            <lastmod>2026-05-27T14:58:47+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/yZliV8F5lj-5116.webp</image:loc>
                    <image:title>yZliV8F5lj-5116</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-the-draft-credit-contracts-and-consumer-finance-buy-now-pay-later-amendment-regulations-2022</loc>
            <lastmod>2026-05-27T14:58:53+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/wmWqx-7haQ-4505.webp</image:loc>
                    <image:title>wmWqx-7haQ-4505</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/theresa-alaimoana</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/BUnwesWqMI-284.jpeg</image:loc>
                    <image:title>BUnwesWqMI-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/funding</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/submission-on-electricity-industry-amendment-bill</loc>
            <lastmod>2026-05-27T14:58:30+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/HTmFnQd--8-5472.webp</image:loc>
                    <image:title>HTmFnQd--8-5472</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-electricty-authority-levy-increase</loc>
            <lastmod>2026-05-27T07:04:26+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/submission-on-rbnz-cash-system-redesign</loc>
            <lastmod>2026-05-27T14:58:46+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Fcp5xeIRsW-1280.webp</image:loc>
                    <image:title>Fcp5xeIRsW-1280</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-social-security-bill</loc>
            <lastmod>2026-05-27T14:58:49+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/BCrmt9BcxA-1500.webp</image:loc>
                    <image:title>BCrmt9BcxA-1500</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-the-review-of-the-telecommunications-dispute-resolution-scheme-public-consultation</loc>
            <lastmod>2026-05-27T14:58:54+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Nry-keo6Et-6000.webp</image:loc>
                    <image:title>Nry-keo6Et-6000</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/david-baines</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/pwyIkZav4D-284.jpeg</image:loc>
                    <image:title>pwyIkZav4D-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/moneytalks</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/submission-on-extending-the-electricity-price-review-s-final-recommendations-to-the-gas-market</loc>
            <lastmod>2026-05-27T14:58:31+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/4Pn3-w_qF8-6000.webp</image:loc>
                    <image:title>4Pn3-w_qF8-6000</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-improving-electricity-retail-monitoring</loc>
            <lastmod>2026-05-27T14:58:40+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/8VN6_3jTNd-1000.webp</image:loc>
                    <image:title>8VN6_3jTNd-1000</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/submission-on-review-of-the-electricity-authority-s-ea-review-of-the-consultation-and-feedback-processes-consultation-paper</loc>
            <lastmod>2026-05-27T14:58:48+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/5nD81Fu_NE-4000.webp</image:loc>
                    <image:title>5nD81Fu_NE-4000</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-the-te-kore-te-po-te-ao-marama-energy-hardship-the-challenges-and-a-way-forward-discussion-paper</loc>
            <lastmod>2026-05-27T14:58:54+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/6ysTHH6wu0-4608.webp</image:loc>
                    <image:title>6ysTHH6wu0-4608</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2025/submission-on-working-for-families</loc>
            <lastmod>2026-05-27T14:58:55+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/9xSpXod6tb-7188.webp</image:loc>
                    <image:title>9xSpXod6tb-7188</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/geoff-smith</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/DSdMpO3X6N-284.jpeg</image:loc>
                    <image:title>DSdMpO3X6N-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/moneytalks-proactive-referral-form</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/submission-on-financial-dispute-resolution-scheme-rules</loc>
            <lastmod>2026-05-27T07:10:40+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-lending-affordability-regulations</loc>
            <lastmod>2026-05-27T07:10:49+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/submission-on-sales-incentives</loc>
            <lastmod>2026-05-27T14:58:48+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/b6Hl0MxQzf-3330.webp</image:loc>
                    <image:title>b6Hl0MxQzf-3330</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-the-water-services-economic-efficiency-and-consumer-protection-bill</loc>
            <lastmod>2026-05-27T14:58:54+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Ci5JT3VA0J-5184.webp</image:loc>
                    <image:title>Ci5JT3VA0J-5184</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/sally-morrison</loc>
            <lastmod>2026-06-01T10:42:10+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/6riQDSIKU3-284.jpeg</image:loc>
                    <image:title>6riQDSIKU3-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/new-service</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/submission-on-new-regime-for-the-conduct-of-financial-institutions</loc>
            <lastmod>2026-05-27T07:10:53+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-personal-banking-services</loc>
            <lastmod>2026-05-27T14:58:44+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/ZsSbW32DGF-5157.webp</image:loc>
                    <image:title>ZsSbW32DGF-5157</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/submission-on-the-water-services-legislation-bill</loc>
            <lastmod>2026-05-27T14:58:54+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/KPNA73ypbS-3774.webp</image:loc>
                    <image:title>KPNA73ypbS-3774</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/submission-on-working-for-families-review</loc>
            <lastmod>2026-05-27T14:58:55+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/EBpUz_z-Wz-5616.webp</image:loc>
                    <image:title>EBpUz_z-Wz-5616</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/anika-forsman</loc>
            <lastmod>2026-05-27T07:57:01+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/B1ep_s4ck8-284.jpeg</image:loc>
                    <image:title>B1ep_s4ck8-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/te-papa-hou</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-responsible-lending-code-document</loc>
            <lastmod>2026-05-27T14:58:46+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/wmWqx-7haQ-4505.webp</image:loc>
                    <image:title>wmWqx-7haQ-4505</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/submission-on-the-productivity-commission-s-consultation-paper</loc>
            <lastmod>2026-05-27T07:11:19+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2023/voices-report-2022</loc>
            <lastmod>2026-05-27T14:59:12+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/fyxoWtNCDl-1356.webp</image:loc>
                    <image:title>fyxoWtNCDl-1356</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2022/women-working-hard-to-close-the-financial-wellbeing-gap</loc>
            <lastmod>2026-05-27T14:59:15+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/UNRrMYARSQ-954.webp</image:loc>
                    <image:title>UNRrMYARSQ-954</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/our-team/mel-harrington</loc>
            <lastmod>2026-05-27T07:57:17+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.8</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/tuKXVpG-Gn-284.jpeg</image:loc>
                    <image:title>tuKXVpG-Gn-284</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/submissions-to-government</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-retail-market-monitoring</loc>
            <lastmod>2026-05-27T14:58:47+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/6ysTHH6wu0-4608.webp</image:loc>
                    <image:title>6ysTHH6wu0-4608</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2021/submission-on-treatment-of-intermediaries-under-the-new-regime-of-conduct</loc>
            <lastmod>2026-05-27T07:11:26+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/supervision</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-self-reporting-for-lenders</loc>
            <lastmod>2026-05-27T07:11:11+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/blog/2024/submission-on-the-cofi-regime</loc>
            <lastmod>2026-05-27T14:58:49+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.7</priority>
            
                <image:image>
                    <image:loc>https://fincap.org.nz/assets/fincap-import/optimized/Fcp5xeIRsW-1280.webp</image:loc>
                    <image:title>Fcp5xeIRsW-1280</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://fincap.org.nz/home/covid-19-financial-mentor-snapshot</loc>
            <lastmod>2026-05-29T14:14:35+12:00</lastmod>
            <changefreq>daily</changefreq>
            <priority>0.9</priority>
            
        </url>
	
</urlset>
