4Overview

1. In this Act,—

2. this Part deals with preliminary matters, including interpretation and the application of this Act to the Crown:
3. Part 1A contains provisions relating to lenders' responsibilities, including provisions for the development of a Responsible Lending Code and requirements to make publicly available standard form contract terms and information about the costs of borrowing:
4. Part 2 contains provisions relating to consumer credit contracts, including provisions relating to when a credit contract is a consumer credit contract, when a lease of goods is to be treated as a consumer credit contract (instead of a consumer lease), disclosure, interest charges, fees, payments, and changes to consumer credit contracts on the grounds of unforeseen hardship:
5. Part 3 contains provisions relating to consumer leases, credit-related insurance, repayment waivers, extended warranties, and buy-back transactions of land:
6. Part 3A contains provisions relating to repossession of consumer goods under consumer credit contracts:
7. Part 4 contains provisions relating to civil remedies, injunctions, offences, a defence, enforceable undertakings, pecuniary penalties, and certain provisions concerning the Commerce Commission:
8. Part 5 contains provisions relating to the reopening of oppressive credit contracts, consumer leases, and buy-back transactions of land:
9. Part 5A requires creditors under consumer credit contracts and mobile traders to be certified:
10. Part 6 contains miscellaneous provisions, including provisions relating to disclosure about debt collection, contracting out, regulations, consequential amendments, and transitional arrangements.