Bank accounts a key tool for reducing ex-prisoner reoffending

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FinCap submission on electricity levy increase

FinCap has submitted in support of Electricity Authority’s levy increase on the basis that effective... Read more

Submission on BOS changes

FinCap welcomes changes proposed by the Banking Ombudsman Scheme (BOS). Read more

Submission on improving electricity retail monitoring

FinCap has told the Electricity Authority that stronger rules are required to ensure no one... Read more

Submission on EA's consumer protection standards

FinCap strongly supports the Electricity Authority's minimum standards around consumer protections but we urge the... Read more

FinCap submission on BNPL regulations

FinCap has made a submission stating that lenders should not be exempt from the CCCFA... Read more

Submission on bank accounts accessibility

FinCap recommends that all deposit takers have some responsibility for providing bank accounts. Read more

Submission on BOS review issues paper

FinCap says fair dispute resolution schemes should be readily available to ensure anyone working with... Read more

Submission on financial legal rights service

FinCap is part of a joint submission requesting the Government provide funding for a financial... Read more

Submission on self-reporting for lenders

FinCap says the Commerce Commission should have timely visibility of lending issues which can cause... Read more

Financial mentoring explained in 10-minute video

FinCap is pleased to share with the sector our video guide to financial mentoring. Read more

Submission on the COFI regime

FinCap has submitted on MBIE's Fit for purpose financial services conduct regulation discussion document. Read more

Submission on effective dispute resolution

FinCap has submitted on MBIE's effective financial dispute resolution discussion document. Read more

Submission on consumer credit legislation

FinCap says preventing the harm caused by irresponsible lending is critical to the financial wellbeing... Read more

Submission on Responsible Lending Code document

FinCap says the government should clearly guide lenders on what a reasonable affordability assessment looks... Read more

FinCap Voices report 2023

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prison

Paying the Price – A report into issues prisoners face around access to banking

FinCap recommends that all in Aotearoa have guaranteed access to the essential services they need... Read more

data

Submission on discussion document – unlocking value from our customer data

FinCap supports the development of a consumer data right framework to empower whānau to own... Read more

Submission on lending affordability regulations

FinCap strongly opposes the removal of these regulations, especially given the analysis behind this decision... Read more

banking

Submission on personal banking services

FinCap welcomes the opportunity to provide feedback on the Commerce Commission’s draft report, focusing... Read more

electricity

Submission on retail market monitoring

FinCap welcomes the opportunity to comment on the Electricity Authority Improving retail market monitoring: clause... Read more

fincap

Media release: FinCap calls for robust credit law to protect borrowers

Today, FinCap joins eight other community organisations to publish a joint statement signalling our desire... Read more

dispute

Submission on IFSO independent review

FinCap emphasises the importance of accessible dispute resolution schemes to prevent financial hardship caused by... Read more

personal banking

Submission on MyMahi petition

FinCap's submission to the MyMahi petition advocates for universal access to bank accounts and urges... Read more

telco

Submission on draft product disclosure – retail service bundling guidelines

In its submission on the Commerce Commission’s Draft Product Disclosure – Retail Service Bundling Guidelines,... Read more

heater

Submission on consumer care options

FinCap underscores the urgent need for a robust, mandatory framework to safeguard the wellbeing of... Read more

voices 2022

Voices Report 2022

The FinCap Voices report utilises data collected by financial mentors to analyze key indicators of... Read more

financial inclusion

Submission on market study into personal banking services preliminary issues paper

Ensuring fair access to essential services is crucial for all whānau, and our feedback emphasises... Read more

electricity

Put on hold? report

This research considers the effectiveness of the Consumer Care Guidelines – consumer protections put in... Read more

nzba

NZBA Media Release: Spotlight on a day in the life of a financial mentor

Decision makers from government and the financial sector are spending time with financial mentors to... Read more

cyclone

Submission on the consultation paper for managing climate-related risks

The recent Cyclone Gabrielle and Auckland Anniversary Weekend Floods highlighted several key challenges for financial... Read more

energy hardship

Submission on the Te Kore, Te Pō, Te Ao Marama – Energy Hardship: The challenges and a way forward Discussion Paper

A whānau should never feel they need to go without the energy they need to... Read more

child-support

Submission on Child Support (Pass On) Act Amendment Bill

FinCap strongly supports the changes to the child support system which will see child support... Read more

phone

Submission on the Review of the Telecommunications Dispute Resolution Scheme Public Consultation

An effective mechanism is needed for accessing a fair outcome where relevant telecommunications services would... Read more

debt

Submission on a proposed framework for debt to government

No child should have to go without essentials because government departments are creating and collecting... Read more

credit

Submission on the Draft Credit Contracts and Consumer Finance (Buy Now Pay Later) Amendment Regulations 2022

Loopholes for buy now pay later lenders have been financial mentors’ most regularly noted consumer... Read more

energy

Submission on retailer financial stress data request consultation paper

Electricity is an essential service that supports the health, well-being and social participation of whānau... Read more

whanau

Media Release: FinCap welcomes Government announcement of $3 million funding boost for Building Financial Capability services.

FinCap warmly welcomes todays Government announcement of a one-off, time-limited funding boost of $3 million... Read more

nzba report

2022 FinCap NZBA Partnership Report

FinCap NZBA Partnership report outlining the ways in which financial mentors and their clients are... Read more

water

Submission on the Water Services Economic Efficiency and Consumer Protection Bill

We support financial mentors across Aotearoa in their work towards assisting whānau who are facing... Read more

water

Submission on the Water Services Legislation Bill

All in Aotearoa should have ongoing full access to safe, affordable and reliable water services.... Read more

‘A quick guide to borrowing money’ – Commerce Commission

The Credit branch of the Commerce Commission has developed a new guide for borrowers as... Read more

Submission on Sales Incentives

Whānau should not be facing significant harm from of high-pressure sales where commissions mean salespeople... Read more

Submission on Fair Chance for All Interim Report

Parents, children, carers and whānau members should be able to participate fully in their communities... Read more

Media release: FinCap calls on Buy Now Pay Later lenders to do the right thing

Financial mentors and FinCap have been sounding the alarm around harm from Buy Now Pay... Read more

Submission on retailer financial stress data request consultation paper

Electricity is an essential service that supports the health, well-being, and social participation of whānau... Read more

Submission on review of the Electricity Authority’s (EA) Review of the consultation and feedback processes Consultation paper

Proper processes for consulting and feedback must ensure what whānau want is factored into decisions... Read more

Media release: CCCFA safe lending laws mean financial wellbeing for whānau

As FinCap digests the Government’s response today to the Investigation into the impacts of Credit... Read more

Media release: FinCap welcomes the Conduct of Financial Institution reform focus on culture change at our banks and insurance companies

FinCap welcomes the Financial Markets (Conduct of Institutions) Amendment Bill and especially the incoming requirement... Read more

Submission on Working for Families Review

No tamariki should have to go without essentials because of inconsistent and confusing support systems... Read more

A Day in the Life

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lending

Submission on proposed CCCFA amendments

FinCap strongly opposes the swift removal of credit contract and consumer regulations, citing concerns about... Read more

Submission on a New Zealand income insurance scheme

No whānau in Aotearoa should have to endure extended hardship because of displacement or loss... Read more

Submission on exposure draft of updated Credit Contract and Consumer Finance Regulations 2004 and Responsible Lending Code

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Don’t assume anything: the rewarding career of a financial mentor

Iain clocked up 10 years working for his West Auckland community at CARE Waitakere, before... Read more

Submission on Plain Language Bill

Everyone in Aotearoa should have easy access to helpful information when engaging with public services.... Read more

Women working hard to close the financial wellbeing gap

Paeroa Budgeting Services – part of the Paeroa Community Support Trust (PCST) – have been... Read more

Open letter – Backing our safe lending laws will bring financial wellbeing to our communities

The joint letter urges parties across the spectrum to support the 2021 reform of the... Read more

Submission on RBNZ cash system redesign

A functional cash system must be maintained as a safety net to stop absolute exclusion... Read more

More than just a budget – financial mentors facing complex issues

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Submission on defining energy hardship in Aotearoa

Energy hardship can see whānau stuck going without what they need for health, wellbeing and... Read more

Submission on Buy-Now Pay-Later services

Buy-Now Pay-Later (BNPL) services are loans that can trigger or compound substantial hardship. Read more

Submission on economic regulation and consumer protection for Three Waters services

No one should face losing access to essential water services because of an inability to... Read more

Submission on Te Moni Anamata – Kaitiakitanga issues paper

Effective oversight and action to ensure all can use money confidently is a cornerstone of... Read more

Submission on AML/CFT Act Consultation Document

Too often FinCap hears from financial mentors who are concerned that some in Aotearoa are... Read more

Submission on extending the Electricity Price Review’s final recommendations to the gas market

It is extremely important that appropriate protections to access gas fairly are in place. Read more

Submission on Electricity Authority Draft Compliance Strategy

Effective enforcement from regulators is a critical cornerstone for achieving a well-functioning consumer protection framework... Read more

Submission on Electricity Industry Amendment Bill

Clear protections to ensure all whānau can readily access the energy they need under fair... Read more

Submission on improving Retail Service Quality (RSQ) Draft Baseline Report

It is regularly reported to FinCap that accessing these essential services can get too complex,... Read more

Lockdown didn’t slow down North Shore service

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Submission on recommendations for improvements to the TDRS

Irresponsible lending from internet and phone providers for unaffordable products and services is a systemic... Read more

Report on working towards a fairer consumer credit market

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Report: New research reveals harm caused by debt collection practices

Overwhelming bombardment via phone calls, texts, emails and in-person visits as well as unpredictable yet... Read more

Submission on the Productivity Commission’s consultation paper

Financial mentors often report that many of the people working with them are facing hardship... Read more

Letter of support for Consumer NZ submission

Often people who financial mentors assist are facing difficulty paying for essential items like groceries.... Read more

Napier Family Centre: passion for change

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Submission on treatment of intermediaries under the new regime of conduct

The financial mentoring services that FinCap works with regularly see people who are facing hardship... Read more

Submission on new regime for the conduct of financial institutions

FinCap’s work often involves approaching financial institutions to raise and address issues around unfair conduct... Read more

Calculating the risk of co-signing a loan

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