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Credit Contracts and Consumer Finance Act 2003

Enforcement and remedies - Offences

104: Conviction for 2 or more offences

You could also call this:

"Breaking the same finance rule more than once has a limited total fine."

Illustration for Credit Contracts and Consumer Finance Act 2003

If you break the same rule in the Credit Contracts and Consumer Finance Act 2003 more than once, in a similar way and at the same time, the total fine you get cannot be more than the maximum fine for one offence. You can be convicted of these offences in the same or separate court cases. The law is similar to section 40(2) of the 1986 Act.

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View the original legislation for this page at https://legislation.govt.nz/act/public/1986/0120/latest/link.aspx?id=DLM213187.

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Topics:
Money and consumer rights > Consumer protection
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103: Other offences, or

"Breaking finance rules can lead to big fines or even prison time"

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105: When proceedings may be commenced, or

"When you can be taken to court for breaking credit contract laws"

Part 4Enforcement and remedies
Offences

104Conviction for 2 or more offences

  1. If a person is convicted, whether in the same or separate proceedings, of 2 or more offences in respect of breaches of the same provisions of this Act and those breaches are of the same or a substantially similar nature and occurred at or about the same time, the total amount of any fines imposed on that person for those convictions must not exceed the amount of the maximum fine that may be imposed in respect of a conviction for a single offence.

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