You need to know when parts of the Credit Contracts and Consumer Finance Act 2003 start. This Act has different start dates for different parts. Some parts start the day after the Act is approved. You will see some parts start on the day after the Act is approved, like section 1 and subpart 3 of Part 3. Other parts, like Part 1 (except this section), subpart 4 of Part 2, and Parts 4 and 5, start on different dates. For buy-back transactions, these parts start the day after the Act is approved. For other purposes, these parts start on 1 April 2005. The rest of the Act starts on 1 April 2005 as well.

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View the original legislation for this page at https://legislation.govt.nz/act/public/1986/0120/latest/link.aspx?id=DLM211517.

This page was last updated on 1 January 2026 — View changes

Topics:

Money and consumer rights > Consumer protection

1: Title, or

"About Credit Contracts and Consumer Finance in New Zealand"

3: Purposes, or

"What the Credit Contracts and Consumer Finance Act is for"

Part 1Preliminary provisions

2Commencement

This section, section 1, subpart 3 of Part 3, section 138, section 141(2) and (3), and Schedule 3 come into force on the day after the date on which this Act receives the Royal assent.
Part 1 (other than this section), subpart 4 of Part 2, Parts 4 and 5, and sections 132 to 137 come into force,—
for the purpose of applying those provisions to buy-back transactions, on the day after the date on which this Act receives the Royal assent; and
for all other purposes, on 1 April 2005.

The rest of this Act comes into force on 1 April 2005.