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
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
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
Submission on personal banking services FinCap welcomes the opportunity to provide feedback on the Commerce Commission’s draft report, focusing... Read more
Submission on retail market monitoring FinCap welcomes the opportunity to comment on the Electricity Authority Improving retail market monitoring: clause... Read more
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
Submission on IFSO independent review FinCap emphasises the importance of accessible dispute resolution schemes to prevent financial hardship caused by... Read more
Submission on MyMahi petition FinCap's submission to the MyMahi petition advocates for universal access to bank accounts and urges... Read more
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
Submission on consumer care options FinCap underscores the urgent need for a robust, mandatory framework to safeguard the wellbeing of... Read more
Voices Report 2022 The FinCap Voices report utilises data collected by financial mentors to analyze key indicators of... Read more
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
Put on hold? report This research considers the effectiveness of the Consumer Care Guidelines – consumer protections put in... Read more
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
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
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
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
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
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
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
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
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
2022 FinCap NZBA Partnership Report FinCap NZBA Partnership report outlining the ways in which financial mentors and their clients are... Read more
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
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
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 Read more
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
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
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: 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
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
