Topic

Money and consumer rights

This page contains different parts of laws about Money and consumer rights.

Related Plain Language Law

Weights and Measures Act 1987

This law's name and when it started working

1: Short Title and commencement

Weights and Measures Act 1987

Explaining important words and ideas in the Weights and Measures Act

2: Interpretation

Weights and Measures Act 1987

This law applies to everyone, including the government

3: Act to bind the Crown

Weights and Measures Act 1987

New Zealand uses metric units like kilograms and metres for measuring things

4: Metric standards of weights and measures

Weights and Measures Act 1987

Rules for keeping and marking official weights and measures

6: Reference standards

Weights and Measures Act 1987

Inspectors get special measuring tools to check if things are the right size or weight

7: Inspectors' working standards

Weights and Measures Act 1987

Rules about using metric measurements when buying and selling things

Weights and Measures Act 1987

Rules about using metric measurements for buying, selling, and making agreements

8: Obligations to use metric system of weights and measures

Weights and Measures Act 1987

You must use metric units when selling things in New Zealand

10: Obligation to use metric system in advertising goods for sale

Weights and Measures Act 1987

When you don't need to use metric measurements in ads for selling things

11: Exceptions to obligation to use metric weights and measures in advertising goods for sale

Weights and Measures Act 1987

Rules for selling things fairly: making sure you get what you pay for

Weights and Measures Act 1987

Sellers must tell you how much of a product you're actually getting

12: Obligation to sell goods by net weight or measure

Weights and Measures Act 1987

Seller must give you a note with details when delivering goods sold by weight or measure

13: Obligation in respect of invoice or delivery note

Weights and Measures Act 1987

Rules for counting items when you buy them

15: Counting of goods sold by retail

Weights and Measures Act 1987

It's against the law to give less than what someone paid for when selling things

16: Offence to supply short weight, measure, or number

Weights and Measures Act 1987

It's against the law to sell things with less inside than what the package says

16A: Offence to supply weight, measure, or number not in accordance with stated quantity

Weights and Measures Act 1987

It's wrong to lie about how much you're buying

17: Offence for purchaser to state incorrect weight, measure, or number

Weights and Measures Act 1987

Sellers must get a note about how much you're buying

18: Statement of true weight, etc, to be supplied to seller

Weights and Measures Act 1987

Weights and measures must show how much they can weigh or hold

19: Weights and measures to have contents marked

Weights and Measures Act 1987

Weights and measures used for trading need a special approval stamp

21: Weights and measures to be stamped with mark of verification

Weights and Measures Act 1987

Automatic machines don't need to follow some weighing and measuring rules

22: Sections 20 and 21 not to apply to automatic weighing or dispensing machines

Weights and Measures Act 1987

Telling someone their scales or measuring tools don't follow the rules

23: Notification of non-compliance

Weights and Measures Act 1987

It's against the law to use or keep incorrect measuring tools for business

24: Offence to use or possess false or unjust weight or measure

Weights and Measures Act 1987

People who check if weights and measures are correct

26: Inspectors of Weights and Measures

Weights and Measures Act 1987

Inspectors can check shops and vehicles to make sure weights and measures are fair

28: Powers of Inspectors

Weights and Measures Act 1987

You might be responsible if your workers break weight and measure rules

31: Liability of principal for acts of agents, etc

Weights and Measures Act 1987

Rules about pretending to be inspectors and using fake stamps or marks on weights and measures

32: Offences

Weights and Measures Act 1987

What happens when you break weight and measure rules

32A: Infringement offences

Weights and Measures Act 1987

Rules for giving out and handling fines for breaking weight and measure laws

32B: Procedural requirements relating to infringement notices

Weights and Measures Act 1987

How to pay fines for breaking rules about weights and measures

32C: Payment of infringement fees

Weights and Measures Act 1987

What happens if you break the weights and measures rules

33: Penalties

Weights and Measures Act 1987

Court can make you fix mistakes if you sell less than promised

35: Court may order offender to make good any deficiency

Weights and Measures Act 1987

The law assumes weights and measures at work are for trading

37: Presumption as to possession of weights, measures, etc, for use for trade

Weights and Measures Act 1987

This law doesn't cover measuring water, electricity, or gas (except liquid LPG)

38: Act not to apply to water, electricity, or gas

Weights and Measures Act 1987

Getting your seized stuff back if you think it's fair

39: Restoration of articles seized

Weights and Measures Act 1987

What happens to things taken away if they might not be correct

40: Disposal of articles seized

Weights and Measures Act 1987

Rules about getting money back for spoiled food taken by officials

40A: Compensation for loss of perishable goods

Weights and Measures Act 1987

Rules for fair and accurate weights and measures in New Zealand

41: Regulations

Weights and Measures Act 1987

Rules for checking if package contents match their labels

41A: Regulations for purposes of section 16A(3)

Weights and Measures Act 1987

Rules about paying for checking weights and measures

42: Fees

Weights and Measures Act 1987

List of official measurements used in New Zealand

Schedule 2: Standards of weights and measures

Weights and Measures Act 1987

This law explains how weights and measures keep buying and selling fair for everyone

1A: Purpose

Weights and Measures Act 1987

Rules for weighing and measuring goods in shops

15A: Weighing and measuring of goods sold by retail

Weights and Measures Act 1987

Some special weighing or measuring tools used in trade need a paper to show they're correct

22B: Certificate of accuracy required for certain weighing or measuring instruments

Conservation Act 1987

Money given to help conservation goes into a special bank account.

33: Receipts

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Helping you understand and trust money matters

Financial Service Providers (Registration and Dispute Resolution) Act 2008

When this law starts working and how it's decided

2: Commencement

Financial Service Providers (Registration and Dispute Resolution) Act 2008

This law explains who needs to be registered to provide money services and how to handle complaints

3: Overview

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Words and their meanings in this law about money services

4: Interpretation

Financial Service Providers (Registration and Dispute Resolution) Act 2008

What counts as a financial service in this law

5: Meaning of financial service

Financial Service Providers (Registration and Dispute Resolution) Act 2008

People and groups who don't count as financial service businesses

7: Persons who are not in business of providing financial service

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Signing up and staying on the list of money helpers

Financial Service Providers (Registration and Dispute Resolution) Act 2008

This part explains why we keep a list of money helpers and make sure they follow the rules

9: Purpose of this Part

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How to sign up and be removed from the list of financial service providers

10: Registration and deregistration

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Financial service businesses must register and join a special group to handle complaints

11: Person in business of providing financial service must be registered and member of approved dispute resolution scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

You can only say you're a registered financial service provider if you really are

12: No holding out that in business of providing financial service unless registered and member of approved dispute resolution scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

What you need to be a registered financial service provider

13: Qualifications for registration as financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Who can't be registered because of past actions or current situations

14: Disqualified person

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How to sign up as someone who helps with money matters

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How to sign up as a money helper

15: Application to be registered as financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How the Registrar signs you up as a financial service provider

16: Registration of financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Financial service providers must tell the Registrar about important changes

17: Duty to notify changes relating to financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

When a financial service provider is removed from the official list

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How a financial service provider can be removed from the register

18: Deregistration of financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Letting a financial service provider know they might be taken off the list

19: Notice of intention to deregister

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How financial service providers can say no to being removed from the list

20: Objection to proposed deregistration of financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The law says the Registrar must tell people when a financial service provider is taken off the list

21: Notification of deregistration of financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

A list of financial service providers is created

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The Registrar keeps a list of people and companies that help with money

24: Register of financial service providers

Financial Service Providers (Registration and Dispute Resolution) Act 2008

What is the list of financial service providers for and how does it help people?

26: Purposes of register

Financial Service Providers (Registration and Dispute Resolution) Act 2008

List of important details about financial service providers kept in an official record

27: Contents of register

Financial Service Providers (Registration and Dispute Resolution) Act 2008

You must tell the Registrar about your money business every year

28: Annual confirmation

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The person in charge must update the list of financial service providers when things change

29: Registrar must amend register in certain circumstances

Financial Service Providers (Registration and Dispute Resolution) Act 2008

You can look up information about financial service providers

31: Searches of register

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Why you can look at the list of financial service providers

32: Search purposes

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for sharing private information with other important groups

34: Sharing information with other persons or bodies

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The government picks someone to make a list of money helpers

35: Appointment of Registrar

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How the Registrar can check if you're following the rules for financial services

37: Registrar’s inspection powers

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Company bosses can get in trouble if their company breaks the law

40: Offence also committed by director

Financial Service Providers (Registration and Dispute Resolution) Act 2008

It's against the law to lie or hide facts when registering as a financial service provider

41: Offence to make false or misleading representation

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How to challenge decisions about your financial service provider registration

42: Appeals from Registrar’s decisions and FMA directions

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for managing financial services and providers

44: Regulations under Part 1 and this Part

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Solving money arguments: How to fix problems between customers and money businesses

Financial Service Providers (Registration and Dispute Resolution) Act 2008

This part explains how to get help if you have problems with money companies

47: Purpose of this Part

Financial Service Providers (Registration and Dispute Resolution) Act 2008

What an approved dispute resolution scheme is and how it works

50: Meaning of approved dispute resolution scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Asking for approval to run a complaint-solving service

51: Application for approval

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Things the Minister must think about before saying yes to a new way of solving money problems

52: Mandatory considerations for approval

Financial Service Providers (Registration and Dispute Resolution) Act 2008

You can try again if your application for a dispute resolution scheme is not approved

55: Reapplication by unsuccessful applicant

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The government can stop a dispute resolution scheme if it doesn't follow the rules

56: Withdrawal of approval

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The Government tells a complaint-handling group they might lose their approval

57: Notice of intention to withdraw approval

Financial Service Providers (Registration and Dispute Resolution) Act 2008

What happens to members when a dispute resolution scheme loses approval

61: Effect of withdrawal of approval on members of dispute resolution scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Scheme managers must show everyone who belongs to their group online

62: List of members

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for solving problems between financial companies and customers

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for solving problems with financial service providers

63: Rules about approved dispute resolution scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Dispute scheme bosses must show the rules to everyone

64: Obligation to publish rules

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The Minister decides if changes to dispute resolution rules are okay

66: Minister's consideration of change of rules

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The public can see reports about how complaints are handled

70: Annual report and information requested by Minister to be publicly available

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The rule about a backup plan for financial services was removed

71: Reserve scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The rule about having a backup plan for solving money problems is no longer used

72: Appointment of reserve scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

When a backup plan for money help can be cancelled

73: Revocation of appointment as reserve scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Telling a backup problem-solver they might lose their job

74: Notice of intention to recommend revocation of appointment as reserve scheme under section 73(2)(a) or (b)

Financial Service Providers (Registration and Dispute Resolution) Act 2008

You used to be able to disagree if someone wanted to remove a financial service provider from a list, but this rule no longer exists.

75: Objection to intended recommendation for revocation

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Money to pay for backup plan (no longer used)

77: Levy to fund reserve scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for settling money arguments with financial companies

79: Regulations under this Part

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Changes to another law because of this new law about money help companies

Schedule 1: Consequential amendment

Financial Service Providers (Registration and Dispute Resolution) Act 2008

What it means to run a business that offers money-related help to people

6: Meaning of in the business of providing a financial service

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Signing up again to provide money-related services

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Re-adding a financial service provider to the official list

22: Reregistration of financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

This part about responsible money helpers was taken out of the law

23: Responsible financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Financial service providers need to join a special group that handles customer complaints

48: Financial service provider must be member of dispute resolution scheme

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Working together and sharing important information when handling money complaints

67: Duty to co-operate and communicate information in certain circumstances

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Minister can ask for more details about dispute resolution schemes

69: Person responsible for approved dispute resolution scheme must supply further information on Minister’s request

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Sharing information when setting up a backup plan for financial services (no longer applies)

76: Duty to co-operate and communicate information in certain circumstances

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Who can give and who needs special permits for money services

Schedule 2: Licensing authorities and licensed providers

Financial Service Providers (Registration and Dispute Resolution) Act 2008

People who need extra protection when using financial services

49: Who are retail clients

Financial Service Providers (Registration and Dispute Resolution) Act 2008

People who want fewer protections when getting money help

49A: Who are eligible investors

Financial Service Providers (Registration and Dispute Resolution) Act 2008

When someone says they're a big business customer, you need to check they really understand what that means

49B: Acceptance of certification

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How to cancel your special investor status with a financial company

49C: Revocation of certification

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How to tell your financial service provider you don't want to be a wholesale client anymore

49D: How to opt out of being wholesale client

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Telling a financial service provider you're cancelling approval or opting out of their dispute service

49E: Giving revocation of certification or notification of opt out

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Breaking the law if you don't follow a court order about solving problems with customers

49G: Offence to fail to comply with District Court order

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Removed rule about money for a special service that helped with money problems

72A: Reserve scheme: rules about fees and charges

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules about fees for financial services were removed

78A: Levy

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Money penalties for breaking rules about selling to businesses

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Money penalty for breaking wholesale certification rules

79A: Pecuniary order for contravening wholesale certification requirement

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Court can order payment for breaking wholesale certification rules

79B: Compensation for contravention of wholesale certification requirement

Financial Service Providers (Registration and Dispute Resolution) Act 2008

This law aims to make money-related activities safe, fair, and easy to understand for everyone

2A: Purposes of this Act

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The FMA can stop people from registering as financial providers if it might mislead others

15A: Purpose of FMA's powers relating to registration

Financial Service Providers (Registration and Dispute Resolution) Act 2008

The FMA can stop you from becoming a registered financial service provider

15B: FMA may prevent registration of financial service provider

Financial Service Providers (Registration and Dispute Resolution) Act 2008

FMA can stop someone from registering as a financial service provider, even if they meet all other rules

15C: FMA may prevent registration regardless of whether applicant is otherwise qualified to be registered

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Why the FMA can remove someone from the financial service providers list

18A: Purpose of FMA's powers relating to deregistration

Financial Service Providers (Registration and Dispute Resolution) Act 2008

FMA can check if a financial service provider should be taken off the list

18B: Consideration of deregistration of financial service provider by FMA

Financial Service Providers (Registration and Dispute Resolution) Act 2008

FMA can remove a financial service provider from the register for any reason

18C: FMA may direct deregistration regardless of whether section 18(1) applies

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for switching to new laws about money services

Schedule 1AA: Transitional, savings, and related provisions

Financial Service Providers (Registration and Dispute Resolution) Act 2008

This law explains who must follow the rules about financial services

7A: Application of Act

Financial Service Providers (Registration and Dispute Resolution) Act 2008

You don't need to sign up twice for some money-related jobs if you're already signed up for similar work

12A: Registration for certain overlapping services not required

Financial Service Providers (Registration and Dispute Resolution) Act 2008

When and how your registration as a financial service provider can be paused

22B: Suspension of registration

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How to sign up as a financial advisor, even if you're not the boss

22C: Registration of financial advisers

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Financial advisers can lose their registration if they don't work with a provider for a long time

22D: Financial adviser may be deregistered if not engaged by provider for extended period

Financial Service Providers (Registration and Dispute Resolution) Act 2008

A simple guide to who hires a financial adviser when they work through someone else

44A: Who financial adviser is treated as engaged by when engaged indirectly

Financial Service Providers (Registration and Dispute Resolution) Act 2008

When a financial adviser doesn't need to join a complaint-handling group

48A: When financial adviser is exempt from being member

Financial Service Providers (Registration and Dispute Resolution) Act 2008

FMA oversees licensing for people who run financial markets

44B: FMA acts as licensing authority in relation to operators of financial product markets

Financial Service Providers (Registration and Dispute Resolution) Act 2008

How the Commerce Commission can share information about some businesses

23: Information-sharing provisions between Registrar and Commission

Financial Service Providers (Registration and Dispute Resolution) Act 2008

Tell the Commerce Commission if you think a mobile trader might be breaking credit laws

67A: Duty to communicate information about mobile traders

Sentencing Act 2002

A declaration as to financial capacity is a statement about how much money someone has.

Sentencing Act 2002

Bailiff can help you pay debt later

184: Bailiff may arrange extension of time to pay

Sentencing Act 2002

Money in an account can be paid to certain organisations by the Secretary.

105F: Distribution of money in account

Sentencing Act 2002

What happens to the money if a leased car is sold and the lessor didn't apply to the court first?

140A: What happens if lessor does not apply to Registrar before motor vehicle sold or disposed of

Parole Act 2002

Living rules don't change your benefits under the Social Security Act 2018

38: Residential restrictions do not affect entitlements under Social Security Act 2018

Immigration Act 2009

Agencies share information to check benefit eligibility and amounts

298: Information matching to verify social security benefit matters

Immigration Act 2009

Government departments share information to recover benefit costs from visa sponsors

299: Information matching to recover costs of visa holder's social security benefit from sponsor

Immigration Act 2009

How to pay fines for immigration offences

364: Payment of infringement fees

Immigration Act 2009

Rules for paying and getting back immigration bonds

396: Imposition of bonds

Immigration Act 2009

Getting your bond money back or having it taken away

397: Refund or forfeiture of bond

Immigration Act 2009

Who pays for sending someone out of New Zealand and helping their family

398: Costs of deportation or repatriation

Immigration Act 2009

Rules for getting back or losing immigration bonds paid under the old law

469: Bonds imposed under former Act

Immigration Act 2009

Definition of 'fine' now includes levies under the Sentencing Act 2002

478: Interpretation

Trade Marks Act 2002

You might need to pay money upfront for trademark cases

167: Commissioner or court may require security for costs

Trade Marks Act 2002

Lying about trade marks is against the law

186: Offences relating to false representation of trade mark

Trade Marks Act 2002

Rules about paying money for things

Trade Marks Act 2002

The Commissioner can give you back money if you pay too much or by accident

195: Fees

Trade Marks Act 2002

Getting your goods back after they were held for possibly having fake brand names

135B: Release of goods

Trade Marks Act 2002

How the government uses the money you pay for trademarks

195A: Use of fees under this Act

Local Government Act 2002

The Auditor-General tells the local council about money problems and how to fix them

44: Report by Auditor-General on loss incurred by local authority

Local Government Act 2002

Councils can't give special deals when lending money to their trading groups

63: Restriction on lending to council-controlled trading organisation

Local Government Act 2002

The Auditor-General checks the books for groups run by the council

70: Auditor-General is auditor of council-controlled organisations

Local Government Act 2002

A yearly plan that shows the council's budget and activities for the coming year

95: Annual plan

Local Government Act 2002

Councils must write a yearly report about what they did and how they spent money

98: Annual report

Local Government Act 2002

Making sure your yearly report and its summary are checked by an expert

99: Audit of information in annual report and summary

Local Government Act 2002

Make sure you have enough money coming in to cover what you plan to spend

100: Balanced budget requirement

Local Government Act 2002

Rules for councils on how to handle money wisely for the community's benefit

101: Financial management

Local Government Act 2002

Rules for planning how local areas collect and spend money

102: Funding and financial policies

Local Government Act 2002

How your local council plans to get and spend money

103: Revenue and financing policy

Local Government Act 2002

A plan for how your local council borrows and manages money

104: Liability management policy

Local Government Act 2002

Rules for how local councils handle money and investments

105: Investment policy

Local Government Act 2002

Rules for giving people a break on their property taxes

109: Rates remission policy

Local Government Act 2002

Rules for letting people delay paying their property taxes

110: Rates postponement policy

Local Government Act 2002

Financial reports must follow standard accounting rules, except for funding statements

111: Information to be prepared in accordance with generally accepted accounting practice

Local Government Act 2002

This part explains tricky words about local government money and borrowing

112: Interpretation

Local Government Act 2002

Getting money from someone else to use for now and pay back later

Local Government Act 2002

Councils can't borrow money in foreign money, except for special cases

113: Prohibition on borrowing in foreign currency

Local Government Act 2002

Rules that protect you when you use your stuff as a promise for money you borrow

114: Constraints on receiver

Local Government Act 2002

Rates can be used to guarantee loans or agreements made by councils

115: Rates as security

Local Government Act 2002

A list of money owed by the council and what they own

116: Register of charges maintained by local authority

Local Government Act 2002

Deals that are safe and cannot be undone

Local Government Act 2002

Documents must state that the government doesn't guarantee local government loans or investments

122: Disclosure document and loan documents to contain statement that the Crown does not guarantee financial products or loan

Local Government Act 2002

Local councils can set fees for certain services, but there are rules about how they do it

150: Fees may be prescribed by bylaw

Local Government Act 2002

Getting money back when something is broken or damaged

Local Government Act 2002

If you break the rules, your council can fix it and make you pay

187: Recovery of cost of works by local authority

Local Government Act 2002

How councils can make you pay for work on your land

188: Liability for payments in respect of private land

Local Government Act 2002

Rules about how communities pay for new things the local council builds

Local Government Act 2002

Getting your money or land back if you cancel your building project

209: Refund of money and return of land if development does not proceed

Local Government Act 2002

Local councils can keep the money from fines they give out

246: Entitlement to infringement fees

Local Government Act 2002

Getting back money that is owed

Local Government Act 2002

How local councils can get money you owe them

252: Recovery of debts

Local Government Act 2002

Rules the government can make to help run local areas

259: Regulations

Local Government Act 2002

Changes made to rules about using personal items as loan guarantees

264: Amendment to Personal Property Securities Act 1999

Local Government Act 2002

A new list of rules was added to a law about managing money problems

265: New Schedule added to Receiverships Act 1993

Local Government Act 2002

Rules about when you might need to pay extra money to your local council for building or connecting to services

290: Development contributions

Local Government Act 2002

Old rules about money owed still count

292: Existing charges

Local Government Act 2002

Rules for community groups that look after money from selling port shares

298: Community trusts

Local Government Act 2002

Using money from a special council fund for borrowing

299: Borrowing from sinking fund

Local Government Act 2002

Paying back part of a loan early using a special savings fund

300: Cancellation of part of loan in respect of which sinking fund is held

Local Government Act 2002

You need permission to get money from a special savings account for loans

301: Consent required for release of sinking fund

Local Government Act 2002

Rules for changing who manages money saved to repay local government loans

302: Provisions relating to Public Trust and Board of Trustees of National Provident Fund

Local Government Act 2002

Rules about old loans and rates for city councils

306: Local Authorities Loans Act 1956

Local Government Act 2002

Council's plan for managing money and services over many years

101A: Financial strategy

Local Government Act 2002

Councils may need to pay a fee to help make rules about how well they're doing their job

259A: Levy to fund rules for performance measures

Local Government Act 2002

The government can give back extra money they collected if they don't need it all

259B: Power to refund levy

Local Government Act 2002

Local councils must pay back money the government spends to help fix their problems

258W: Recovery of expenses from local authority

Local Government Act 2002

Rules can include special money guidelines in the law

259D: Regulations may incorporate financial reporting standards by reference

Local Government Act 2002

How changes to financial reporting standards affect government rules

259E: Effect of amendments to, or replacement of, standards incorporated by reference in regulations

Local Government Act 2002

How to prove that official standards are part of the rules

259F: Proof of standards incorporated by reference

Local Government Act 2002

What happens when money rules in the law stop working

259G: Effect of expiry or revocation of standards incorporated by reference

Local Government Act 2002

How you can see and read the special rules included in the law

259H: Access to standards incorporated by reference

Local Government Act 2002

Some special rules don't apply to certain financial standards used in local government

259I: Application of Legislation Act 2019 to standards incorporated by reference

Local Government Act 2002

What you can argue about when you think the council made a mistake asking you for money to build things in your neighbourhood

199D: Scope of development contribution objections

Local Government Act 2002

Rules for deciding how much money local boards get

48M: Local boards funding policy

Local Government Act 2002

What your local council needs to tell you about their big future plans

93C: Content of consultation document for adoption of long-term plan

Local Government Act 2002

Rules for fair sharing of costs for new community facilities

197AB: Development contributions principles

Local Government Act 2002

List of community projects funded by new building fees

201A: Schedule of assets for which development contributions will be used

Gambling Act 2003

Rules to Keep Gambling Fair and Safe

Gambling Act 2003

The name of this law about gambling is the Gambling Act 2003.

1: Title

Gambling Act 2003

Basic rules

Gambling Act 2003

When the Gambling Act 2003 starts to apply

2: Commencement

Gambling Act 2003

The Purpose of the Gambling Act 2003 is to make gambling fair and safe for everyone.

3: Purpose

Gambling Act 2003

What words mean in the Gambling Act 2003

4: Interpretation

Gambling Act 2003

What 'conduct' means in gambling law, including organising, managing, and helping with gambling activities

5: Extended meaning of conduct

Gambling Act 2003

Counting gaming machines with many player spots

6: Multi-terminal and multi-player gaming machines

Gambling Act 2003

What it means to have a big say in how a casino is run

7: Meaning of significant influence in casino

Gambling Act 2003

The Government can ask you for information to check if you have too much control over a casino.

8: Secretary may seek information to assess influence

Gambling Act 2003

Gambling rules help keep you safe. They control things like: • Who can gamble • What games are allowed • How much you can bet These rules also say what happens if someone breaks them.

Gambling Act 2003

Gambling Act 2003

No gambling allowed, except when the law says it's okay

9: Gambling prohibited

Gambling Act 2003

No new casinos can open in New Zealand, but existing ones can stay open.

10: No more casinos

Gambling Act 2003

Don't make it easier for people to gamble at casinos

11: No increase in casino gambling

Gambling Act 2003

What makes casino gambling increase, according to the Gambling Commission?

12: What is increase in casino gambling

Gambling Act 2003

You can't get paid back by the government if you lose something because of these rules.

13: No compensation

Gambling Act 2003

What happens to contracts about gambling that are against the law

14: Legality of gambling contracts

Gambling Act 2003

No lending money for gambling, unless a casino has special permission

15: Providing credit for gambling prohibited

Gambling Act 2003

No advertising of overseas gambling allowed in New Zealand

16: Advertising overseas gambling prohibited

Gambling Act 2003

Rules can limit or stop prizes for gambling to keep it fair and safe.

17: Regulations may restrict or prohibit prizes

Gambling Act 2003

Running sales promotions is allowed under the law

18: Sales promotion schemes authorised

Gambling Act 2003

Breaking the rules about illegal gambling is against the law and can get you in trouble

19: Offences

Gambling Act 2003

Gambling Act 2003

What you need to know about gambling rules

Gambling Act 2003

A guide to the different types of gambling and the rules that keep them fair and safe.

20: Overview

Gambling Act 2003

The Government can choose which games are allowed or not allowed as gambling.

21: Secretary may categorise gambling

Gambling Act 2003

Small gambling games with low prizes, like those at schools or clubs.

Gambling Act 2003

What 'class 1 gambling' means in simple terms: a small, low-stakes type of gambling with strict rules

22: Meaning of class 1 gambling

Gambling Act 2003

You don't need a special permit for Class 1 gambling

23: No licence required

Gambling Act 2003

Class 2 gambling refers to a type of gambling with a moderate prize and is regulated by the law.

Gambling Act 2003

What is class 2 gambling, and how does it work in New Zealand?

24: Meaning of class 2 gambling

Gambling Act 2003

Rules for running and taking part in class 2 gambling, like lotteries and raffles, to keep things fair and safe.

25: Requirements for class 2 gambling

Gambling Act 2003

Societies don't need a licence for some types of gambling.

26: No licence required

Gambling Act 2003

Big gambling activities with large prizes are called Class 3 gambling.

Gambling Act 2003

What is class 3 gambling, where prizes are over $5,000 and money goes to good causes

27: Meaning of class 3 gambling

Gambling Act 2003

Rules for running small or regular gambling events with a licence

28: Requirements for class 3 gambling

Gambling Act 2003

Old licences are now called class 3 operator's licences

29: Existing licences class 3 operators’ licences

Gambling Act 2003

Big gambling games with lots of money, like those at casinos.

Gambling Act 2003

What is class 4 gambling, where money goes to good causes?

30: Meaning of class 4 gambling

Gambling Act 2003

Rules for running class 4 gambling games and venues

31: Requirements for class 4 gambling

Gambling Act 2003

What happens to old gaming machine licences when the new law starts

32: Existing gaming machine licences and site approvals

Gambling Act 2003

TAB NZ and racing clubs have special rules for running gambling games

33: Status of TAB NZ and racing clubs

Gambling Act 2003

What is casino gambling in New Zealand?

34: Meaning of casino gambling

Gambling Act 2003

Gambling Act 2003

People can apply for a special licence to run certain types of gambling activities.

Gambling Act 2003

Applying for a licence to run a small gambling event

35: Application for class 3 operator’s licence

Gambling Act 2003

The government checks you out before giving you a special licence to run a gambling business.

36: Secretary must investigate applicant for class 3 operator’s licence

Gambling Act 2003

When can you get a licence to run a class 3 gambling operation to raise money for a good cause?

37: Grounds for granting class 3 operator’s licence

Gambling Act 2003

What a class 3 operator's licence must include and the rules it must follow

38: Content and conditions of class 3 operator’s licence

Gambling Act 2003

Tell us about big changes to your class 3 operator's licence

39: Significant changes in relation to class 3 operator’s licence must be notified

Gambling Act 2003

You need approval to make big changes to a class 3 operator's licence, like changing goals or closing down.

40: Change of purpose and winding up provisions of holder of class 3 operator’s licence ineffective without approval

Gambling Act 2003

Changing or renewing a special licence for people who run big gambling games

Gambling Act 2003

How to renew a special licence to run a small gambling game

41: Renewal of class 3 operator’s licence

Gambling Act 2003

Changing a class 3 gambling licence: how to apply for changes

42: Amending class 3 operator’s licence

Gambling Act 2003

What happens if a gambling operator's licence is stopped, cancelled, or not renewed?

Gambling Act 2003

What happens if a gambling operator breaks the rules and might lose their licence?

43: Suspension or cancellation of class 3 operator’s licence

Gambling Act 2003

What happens if someone wants to suspend, cancel, or refuse to renew your gambling licence

44: Procedure for suspending, cancelling, or refusing to amend or renew class 3 operator’s licence

Gambling Act 2003

What happens if your class 3 gambling licence is suspended, cancelled, or not renewed?

45: Consequences of suspension, cancellation, or refusal to amend or renew class 3 operator’s licence

Gambling Act 2003

Appealing a decision about your charity's gambling licence to the Gambling Commission

46: Appeal to Gambling Commission regarding class 3 operator’s licence

Gambling Act 2003

What happens to your licence if you appeal a decision about it

47: Consequences of appeal regarding class 3 operator’s licence

Gambling Act 2003

Other things related to gambling

Gambling Act 2003

Giving back a class 3 gambling licence

48: Surrender of class 3 operator’s licence

Gambling Act 2003

You can't give or sell your Class 3 gambling licence to someone else.

49: Class 3 operator’s licence not transferable

Gambling Act 2003

Gambling Act 2003

People can apply for a special licence to run certain types of gambling games.

Gambling Act 2003

Applying for a licence to run a gambling event to raise money for a good cause

50: Application for class 4 operator’s licence

Gambling Act 2003

The government checks you out when you apply for a special gambling licence.

51: Secretary must investigate applicant for class 4 operator’s licence

Gambling Act 2003

Getting a special licence to run certain types of gambling games

Gambling Act 2003

When can you get a licence to run a class 4 gambling operation to raise money for good causes?

52: Grounds for granting class 4 operator’s licence

Gambling Act 2003

What's on a class 4 gambling licence and the rules that come with it

53: Content and conditions of class 4 operator’s licence

Gambling Act 2003

Tell the government about big changes to your class 4 gambling licence

54: Significant changes in relation to class 4 operator’s licence must be notified

Gambling Act 2003

You need approval to make big changes to a class 4 operator's licence, like changing goals or closing down.

55: Change of purpose and winding up provisions of holder of class 4 operator’s licence ineffective without approval

Gambling Act 2003

Changing or renewing a special licence for people who run gambling games

Gambling Act 2003

How to renew a special licence to run gambling games

56: Renewal of class 4 operator’s licence

Gambling Act 2003

Changing a class 4 gambling licence: how to apply for changes

57: Amending class 4 operator’s licence

Gambling Act 2003

What happens if a gambling operator's licence is stopped, cancelled, or not renewed?

Gambling Act 2003

What happens if a gambling operator breaks the rules: suspension or cancellation of their licence

58: Suspension or cancellation of class 4 operator’s licence

Gambling Act 2003

What happens if someone wants to suspend, cancel, or refuse to renew your gambling licence

59: Procedure for suspending, cancelling, or refusing to amend or renew class 4 operator’s licence

Gambling Act 2003

What happens if your class 4 gambling licence is suspended, cancelled, or not renewed?

60: Consequences of suspension, cancellation, or refusal to amend or renew class 4 operator’s licence

Gambling Act 2003

Challenging a decision about your gambling licence: how to appeal to the Gambling Commission

61: Appeal to Gambling Commission regarding class 4 operator’s licence

Gambling Act 2003

What happens to your class 4 operator's licence when you appeal a decision about it

62: Consequences of appeal regarding class 4 operator’s licence

Gambling Act 2003

Other things related to gambling

Gambling Act 2003

Giving back a class 4 gambling licence and what you still have to do

63: Surrender of class 4 operator’s licence

Gambling Act 2003

You can't give or sell your Class 4 gambling licence to someone else.

64: Class 4 operator’s licence not transferable

Gambling Act 2003

People can apply for a licence to run a venue where gambling happens.

Gambling Act 2003

Applying for a licence to run gambling games at a venue

65: Application for class 4 venue licence

Gambling Act 2003

The government checks you and your team before giving a special licence for a gambling venue.

66: Secretary must investigate applicant for class 4 venue licence

Gambling Act 2003

Allowing a place to have certain types of gambling games

Gambling Act 2003

When can you get a licence to run a gambling venue in New Zealand?

67: Grounds for granting class 4 venue licence

Gambling Act 2003

Checking if you're a suitable person to run a gambling venue

68: Determining suitability for class 4 venue licence

Gambling Act 2003

What needs to be in a class 4 venue agreement for gambling venues

69: Form and content of class 4 venue agreement

Gambling Act 2003

What's included in a class 4 venue licence for gambling

70: Content and conditions of class 4 venue licence

Gambling Act 2003

Tell the government about big changes to your class 4 venue licence

71: Significant changes in relation to class 4 venue licence must be notified

Gambling Act 2003

Changing or renewing a licence for a place where people can gamble

Gambling Act 2003

How to renew a licence for a place where people can gamble

72: Renewal of class 4 venue licence

Gambling Act 2003

Changing a gambling venue's licence: how to make changes to a class 4 venue licence

73: Amending class 4 venue licence

Gambling Act 2003

What happens if a venue's gambling licence is stopped, cancelled, or not renewed?

Gambling Act 2003

The government can stop or cancel a venue's gambling licence if rules are broken.

74: Suspension or cancellation of class 4 venue licence

Gambling Act 2003

What happens when someone wants to stop or cancel a venue's gambling licence

75: Procedure for suspending, cancelling, or refusing to amend or renew class 4 venue licence

Income Tax Act 2007

This section about tax credits no longer applies as it was removed in 2009

LH 1: Who this subpart applies to

Income Tax Act 2007

Tax credits for research and development spending (no longer available)

LH 2: Tax credits relating to expenditure on research and development

Income Tax Act 2007

This section about tax credit requirements was removed in 2009

LH 3: Requirements

Income Tax Act 2007

This provision about calculating credits no longer applies

LH 4: Calculation of amount of credit

Income Tax Act 2007

This section about changing eligible expenses for tax credits no longer applies

LH 5: Adjustments to eligible expenditure

Income Tax Act 2007

Overseas research and development rules no longer apply

LH 6: Research and development activities outside New Zealand

Income Tax Act 2007

Tax credits are no longer available for research and development

LH 7: Research and development activities and related terms

Income Tax Act 2007

Government's power to make special tax credit rules (no longer in use)

LH 8: Orders in Council

Income Tax Act 2007

No tax credits for developing software within your company

LH 9: Internal software development: general

Income Tax Act 2007

Tax credits for internal software development without an associated developer no longer apply

LH 10: Internal software development: no associated internal software developer

Income Tax Act 2007

Old rules for software developers working together no longer apply

LH 11: Internal software development: associated internal software developer with same income year

Income Tax Act 2007

Outdated rule about tax credits for software development by related companies with different financial years

LH 12: Internal software development: associated internal software developer with different income year

Income Tax Act 2007

Limit on internal software development tax credits no longer applies

LH 13: Internal software development: limit

Income Tax Act 2007

This provision about tax credits for certain property depreciation no longer applies

LH 14: Treatment of depreciation loss for certain depreciable property

Income Tax Act 2007

This provision about approved research organisations for tax credits was removed in 2009

LH 15: Listed research providers

Income Tax Act 2007

Tax credits for industry research co-operatives were removed from the law

LH 16: Industry research co-operatives

Income Tax Act 2007

Definitions for tax credits removed and no longer apply

LH 17: Some definitions

Income Tax Act 2007

This section about tax credits paid in cash no longer applies

ML 1: What this subpart does

Income Tax Act 2007

Redundancy payment tax credits no longer available

ML 2: Tax credit for redundancy payments

Income Tax Act 2007

Commissioner no longer pays tax credits in cash

ML 3: Payment by Commissioner

Income Tax Act 2007

How to report income and expenses when you work with others but aren't business partners

HG 1: Joint venturers

Income Tax Act 2007

Partnerships are treated as see-through for tax purposes

HG 2: Partnerships are transparent

Income Tax Act 2007

Partners in limited partnerships can carry forward unused deductions to future years

HG 12: Limitation on deductions by partners in limited partnerships: carry-forward

Income Tax Act 2007

Understanding Your Tax Obligations

Income Tax Act 2007

This provision states the official name of the law: Income Tax Act 2007

A 1: Title

Income Tax Act 2007

When this tax law begins to apply and affect your income

A 2: Commencement

Income Tax Act 2007

This Act explains how income is taxed and outlines your tax responsibilities

AA 1: Purpose of Act

Income Tax Act 2007

How to read and understand the Income Tax Act 2007

AA 2: Interpretation

Income Tax Act 2007

This section explains important terms and how to interpret the law

AA 3: Definitions

Income Tax Act 2007

This law applies to the government

AA 4: Crown bound

Income Tax Act 2007

Explains the goals and structure of this part of the tax law

BA 1: Purpose

Income Tax Act 2007

Income tax: What it is and how it's set

BB 1: Imposition of income tax

Income Tax Act 2007

Your main tax obligations: calculating, paying, and withholding

BB 2: Main obligations

Income Tax Act 2007

How tax avoidance rules and international agreements can override other tax laws

BB 3: Overriding effect of certain matters

Income Tax Act 2007

Explains how your tax status affects how your income tax is calculated

BC 1: Non-filing and filing taxpayers

Income Tax Act 2007

The total taxable money you earn in a year

BC 2: Annual gross income

Income Tax Act 2007

The total amount you can deduct from your income for the tax year

BC 3: Annual total deduction

Income Tax Act 2007

Calculating your income after expenses

BC 4: Net income and net loss

Income Tax Act 2007

How to calculate your taxable income by subtracting tax losses from your net income

BC 5: Taxable income

Income Tax Act 2007

How to calculate the income tax you owe if you file a tax return

BC 6: Income tax liability of filing taxpayer

Income Tax Act 2007

How tax is calculated when you have income from specific sources

BC 7: Income tax liability of person with schedular income

Income Tax Act 2007

How tax credits are used to pay your income tax

BC 8: Satisfaction of income tax liability

Income Tax Act 2007

Different types of income and how they're taxed in New Zealand

BD 1: Income, exempt income, excluded income, non-residents' foreign-sourced income, and assessable income

Income Tax Act 2007

Lowering your tax bill with allowed deductions

BD 2: Deductions

Income Tax Act 2007

Rules for assigning income to specific tax years

BD 3: Allocation of income to particular income years

Income Tax Act 2007

How to assign your expenses to the correct tax year

BD 4: Allocation of deductions to particular income years

Income Tax Act 2007

Rules for deducting tax from different types of income and benefits

BE 1: Withholding liabilities

Income Tax Act 2007

Rules to prevent people from using special arrangements to avoid paying taxes

BG 1: Tax avoidance

Income Tax Act 2007

Income includes what the law defines as income and what is generally considered income

CA 1: Amounts that are income

Income Tax Act 2007

Types of income you don't have to pay tax on

CA 2: Amounts that are exempt income or excluded income

Income Tax Act 2007

Money you earn from your business is counted as income

CB 1: Amounts derived from business

Income Tax Act 2007

How to handle money from selling business assets, including stock

CB 2: Amounts received on disposal of business assets that include trading stock

Income Tax Act 2007

Money earned from planned profit-making activities is considered income

CB 3: Profit-making undertaking or scheme

Income Tax Act 2007

Profit from selling personal items bought to resell is taxable income

CB 4: Personal property acquired for purpose of disposal

Income Tax Act 2007

Income from selling personal property in your business

CB 5: Business of dealing in personal property

Income Tax Act 2007

Tax on profit from selling land you bought to resell

CB 6: Disposal: land acquired for purpose or with intention of disposal

Income Tax Act 2007

Money from selling land may be taxable if bought for land-related business purposes

CB 7: Disposal: land acquired for purposes of business relating to land

Income Tax Act 2007

Tax rules for selling land previously used as a landfill if you notify the tax office

CB 8: Disposal: land used for landfill, if notice of election

Income Tax Act 2007

Income from selling land within 10 years if you or a close associate deal in land

CB 9: Disposal within 10 years: land dealing business

Income Tax Act 2007

Income rules for selling land within 10 years if you or someone close to you is in land development

CB 10: Disposal within 10 years: land development or subdivision business

Income Tax Act 2007

Tax on land sold within 10 years of improvements by a house-building business

CB 11: Disposal within 10 years of improvement: building business

Income Tax Act 2007

Income from selling land developed or divided within 10 years of purchase

CB 12: Disposal: schemes for development or division begun within 10 years

Income Tax Act 2007

Taxable income from selling land after major development or division

CB 13: Disposal: amount from major development or division and not already in income

Income Tax Act 2007

Tax on profits from selling land affected by zoning or use changes

CB 14: Disposal: amount from land affected by change and not already in income

Income Tax Act 2007

Rules for selling or gifting land to people you're connected with

CB 15: Transactions between associated persons

Income Tax Act 2007

Things that don't count as income from residential land

Income Tax Act 2007

Exemption from tax when selling your main home

CB 16: Residential exclusion from sections CB 6 to CB 11

Income Tax Act 2007

Exceptions for work done on your residential land

CB 17: Residential exclusion from sections CB 12 and CB 13

Income Tax Act 2007

Exemption for selling land bought for personal living to another person for the same purpose

CB 18: Residential exclusion from section CB 14

Income Tax Act 2007

Things that are not counted as business premises

Income Tax Act 2007

Selling business premises: when tax doesn't apply

CB 19: Business exclusion from sections CB 6 to CB 11

Income Tax Act 2007

Exclusion for businesses improving their own land

CB 20: Business exclusion from sections CB 12 and CB 13

Income Tax Act 2007

Money you don't need to count from farm land

Income Tax Act 2007

Farm land sales: when you don't have to pay tax on profits

CB 21: Farm land exclusion from sections CB 12 and CB 13

Income Tax Act 2007

Farm land sold for farming is exempt from certain tax rules

CB 22: Farm land exclusion from section CB 14

Income Tax Act 2007

Money made from selling land you bought to make money from is not counted.

Income Tax Act 2007

Exclusion for land improvements made to earn income

CB 23: Investment exclusion from sections CB 12 and CB 13

Income Tax Act 2007

Selling timber or timber rights counts as income

CB 24: Disposal of timber or right to take timber

Income Tax Act 2007

Tax rules for selling land with trees

CB 25: Disposal of land with standing timber

Income Tax Act 2007

How portfolio investment entities handle income from selling certain shares and related dividends

CB 26: Disposal of certain shares by portfolio investment entities

Income Tax Act 2007

Rules for managing income over time using special schemes

CB 27: Income equalisation schemes

Income Tax Act 2007

How income is calculated from environmental restoration account refunds and transfers

CB 28: Environmental restoration accounts

Income Tax Act 2007

Money from selling minerals counts as income, regardless of land ownership

CB 29: Disposal of minerals

Income Tax Act 2007

Money from selling patent applications or rights counts as income

CB 30: Disposal of patent applications or patent rights

Income Tax Act 2007

Income from transferred employee costs when buying a business

CB 31: Disposal of business: transferred employment income obligations

Income Tax Act 2007

Tax rules for stolen property

CB 32: Property obtained by theft

Income Tax Act 2007

Income from mutual deals between an association and its members is taxable

CB 33: Amounts derived by mutual associations

Income Tax Act 2007

How rebates from mutual associations may count as income

CB 34: Amounts derived by members from mutual associations

Income Tax Act 2007

Income you can earn from owning land

CC 1: Land

Income Tax Act 2007

Money received when tenant breaches repair agreement

CC 2: Non-compliance with covenant for repair

Income Tax Act 2007

Income from financial arrangements and debt forgiveness for trustees

CC 3: Financial arrangements

Income Tax Act 2007

How interest earnings and related income are treated for tax purposes

CC 4: Payments of interest

Income Tax Act 2007

How regular payments from annuities are treated as income

CC 5: Annuities

Income Tax Act 2007

How prizes from building societies are taxed as income

CC 6: Prizes received under Building Societies Act 1965

Income Tax Act 2007

How non-monetary benefits for business loans are treated as income

CC 7: Consideration other than in money

Income Tax Act 2007

Interest paid to you by the Commissioner is counted as income

CC 8: Use of money interest payable by Commissioner

Income Tax Act 2007

Payments for using your property or rights are considered income

CC 9: Royalties

Income Tax Act 2007

Income from rights or interests in films

CC 10: Films

Income Tax Act 2007

Paying tax when you sell something you bought after leasing it

CC 11: Lessee acquiring lease asset on expiry of term of lease

Income Tax Act 2007

Owner's income from reselling or re-leasing an item after a finance lease ends

CC 12: Lessor acquiring lease asset on expiry of term of lease

Civil Aviation Act 1990

How much money you might get if something goes wrong with your flight

91H: Value of special drawing right

Civil Aviation Act 1990

The Government tells us how much money 'francs' are worth in New Zealand dollars

91S: Currency equivalent notices

Civil Aviation Act 1990

Airlines can't change rules about paying you if something goes wrong

91ZD: Contracting out

Civil Aviation Act 1990

Rules for buying and drinking alcohol at airports for international travellers

96: Sale of alcohol at international airports

Civil Aviation Act 1990

Rules for financing and protecting big moving things across countries

Schedule 7: Convention on International Interests in Mobile Equipment

Smokefree Environments and Regulated Products Act 1990

No smoking or vaping is allowed in most parts of casinos.

13A: Smoking and vaping in casinos

Smokefree Environments and Regulated Products Act 1990

No smoking or vaping allowed in gaming machine venues.

13B: Smoking and vaping in certain gaming machine venues

Smokefree Environments and Regulated Products Act 1990

Breaking smoking and vaping rules is against the law

17: Offences in respect of smoking and vaping

Smokefree Environments and Regulated Products Act 1990

No advertising for some products allowed

23: Publishing regulated product advertisement prohibited

Smokefree Environments and Regulated Products Act 1990

Rules for packaging of certain products to keep you safe

50: Standardised packaging of regulated products

Smokefree Environments and Regulated Products Act 1990

When a product is not safe, the government can make the maker take it back.

73: Recall

Smokefree Environments and Regulated Products Act 1990

Charges for selling certain products to help cover government costs

86: Regulations imposing levies

Resource Management Act 1991

Paying rent and royalties is a condition of getting a coastal or water permit

112: Obligation to pay rent and royalties deemed condition of consent

Resource Management Act 1991

Money and travel expenses paid to people who help the environment court

263: Remuneration of Environment Commissioners, Deputy Environment Commissioners, and special advisors

Resource Management Act 1991

Paying back costs for emergency work or getting compensation for damage

331: Reimbursement or compensation for emergency works

Resource Management Act 1991

When someone breaks the law, the money they pay as punishment goes to the local council that caught them.

342: Fines to be paid to local authority instituting prosecution

Resource Management Act 1991

Regional councils collect money from resource consent holders and put it in the government's bank account.

359: Regional councils to pay rents, royalties, and other money received into Crown Bank Account

Resource Management Act 1991

Paying money when you apply for a permit or approval

165Z: Tender money

Resource Management Act 1991

Rules for deciding how much local councils can charge people for their services

36AAA: Criteria for fixing administrative charges

Resource Management Act 1991

If you don't pay certain costs when asked, the government can make you pay them back like a debt.

149ZF: Liability to pay costs constitutes debt due to EPA or the Crown

Resource Management Act 1991

If you don't pay the costs, they might stop working on your case until you do.

149ZG: Process may be suspended if costs outstanding

Resource Management Act 1991

Rules about how councils can set fees for planning and resource consent activities

360F: Regulations relating to administrative charges and other amounts

Child Support Act 1991

This law sets the name of the Act and when it starts working

1: Title and commencement

Child Support Act 1991

This section explains important words and ideas used in the Child Support Act

2: Interpretation

Child Support Act 1991

How tax assessments are used to figure out child support payments

38: Application of assessments under Income Tax Act 1976 or Tax Administration Act 1994

Child Support Act 1991

What happens when it's hard to know how much money you made

39: Position where income not readily ascertainable

Child Support Act 1991

Commissioner must calculate yearly child support and maintenance payments ordered by court

69: Duty to make assessment

Child Support Act 1991

Parents must tell the government about their living situation to help figure out child support payments

81: Notification requirements of parent

Child Support Act 1991

Objecting to one decision doesn't change other decisions

94: Determination of objection not to affect other assessments or decisions

Child Support Act 1991

You can ask a judge to review if Inland Revenue says no to your request

102: Appeals against decisions of Commissioner

Child Support Act 1991

Money you owe for child support goes to the government

128: Debt due to the Crown

Child Support Act 1991

Money for child support is taken from your benefit payments automatically

131: Social security beneficiaries to pay financial support by automatic deduction

Child Support Act 1991

Commissioner can waive penalties for child support if you're facing serious money troubles

135G: Discretionary relief if serious hardship

Child Support Act 1991

The government can quickly give you money back without asking for special permission first

135O: Refunds paid out of Crown Bank Account without further appropriation

Child Support Act 1991

How child support payments work when you're caring for children and getting a special benefit

143: Payment of voluntary agreement child support to receiving carers who are UCB beneficiaries

Child Support Act 1991

Money for supporting a spouse or partner goes directly to them

145: Payment to spouses or other partners

Child Support Act 1991

Money taken for child support must be kept safe for the government

167: Deductions to be held on trust

Child Support Act 1991

How extra tax money can be used to pay child support

181: Application of tax overpayments

Child Support Act 1991

What happens to child support payments if you go bankrupt

182: Bankruptcy

Child Support Act 1991

How to put a hold on someone's life insurance policy to get money they owe you

185: Charging orders on life insurance policies

Child Support Act 1991

Court can stop people from getting rid of property to avoid paying child support

200: Dispositions may be restrained

Child Support Act 1991

The court can undo property moves made to avoid paying child support

201: Dispositions may be set aside

Child Support Act 1991

Breaking the rules in child support matters can get you in trouble

208: Offences

Child Support Act 1991

Rules about money, courts, and how things work in child support

Child Support Act 1991

How you can use your child support refund to pay other bills

216B: Transfer of refund

Child Support Act 1991

How to ask for your refund to be moved to another payment

216C: Form of request for transfer of refund

Child Support Act 1991

The Commissioner must move your extra money if you ask

216D: Commissioner must transfer refund

Child Support Act 1991

Inland Revenue can write special notes about child support that are believed unless proven wrong

220: Evidentiary certificates by Commissioner

Child Support Act 1991

The law changed how some people get paid first when a company runs out of money

245: Preferential payments

Child Support Act 1991

Changes made to rules about taxes

Child Support Act 1991

Some money you get doesn't need any tax paid on it

248: Incomes wholly exempt from tax

Child Support Act 1991

What is a pay-period taxpayer?

249: Interpretation of term pay-period taxpayer

Child Support Act 1991

Changes made to a law about taxes

Child Support Act 1991

How the law decides what's most important when someone can't pay their debts

251: Priorities

Child Support Act 1991

Bankruptcy release frees you from some debts

252: Debts from which discharge releases bankrupt

Child Support Act 1991

Money parents keep for basic needs before paying child support

35A: Living allowance

Child Support Act 1991

The government can forgive some old penalties for late child support payments

135AB: Discretionary relief for pre-2021 penalties

Electricity Industry Act 2010

Who counts as part of an electricity company under the law

Schedule 2: When person is involved in industry participant for purposes of section 6A

Electricity Industry Act 2010

Explaining important words and roles in electricity rules

5: Interpretation

Electricity Industry Act 2010

What counts as breaking a rule in this law

6: Extended meaning of breach

Electricity Industry Act 2010

Some people or groups don't have to sign up as electricity industry participants

10: Exemption from obligation to register

Electricity Industry Act 2010

Sometimes you don't have to follow the Electricity Industry Code

11: Exemption from obligation to comply with Code

Electricity Industry Act 2010

How to complain about electricity companies

95: Complaints about Transpower, distributors, and retailers

Electricity Industry Act 2010

Rules for joining a group that helps solve customer problems in the electricity industry

96: Membership of dispute resolution scheme

Electricity Industry Act 2010

Following the rules and decisions of your dispute resolution group

97: Compliance with rules and binding settlements

Electricity Industry Act 2010

Trustees must tell everyone where to find the trust's money reports

100: Publication of audited financial statements

Electricity Industry Act 2010

Rules for picking and paying someone to check a community or customer trust's money

101: Auditor of trusts

Electricity Industry Act 2010

Rules and punishments for trustees who break the law

104: Offences, enforcement, and application of sections 99 to 103

Electricity Industry Act 2010

Rules for fair electricity prices and good customer service

113: Regulations about tariffs and other consumer issues

Electricity Industry Act 2010

Rules for paying money to support the electricity industry

128: Levies

Electricity Industry Act 2010

Protection of retirement money for former Electricity Commission workers

138: Government Superannuation Fund

Electricity Industry Act 2010

Changes to a law about buying and selling things

Electricity Industry Act 2010

Changes made to rules about business and trade

145: Amendments to Commerce Act 1986

Electricity Industry Act 2010

Rules for setting prices on different goods and services

147: Matters covered by input methodologies

Electricity Industry Act 2010

Authority can pause trading if a company is in financial trouble

49: Authority may suspend trading in case of insolvency

Electricity Industry Act 2010

How to settle disagreements about who pays for electricity supply problems

95A: Indemnity disputes

Wildlife Act 1953

Rules for hunting game on private land in New Zealand

19: Licence to hunt or kill game

Electricity Act 1992

Interest charges on rural power bills have been cancelled

49: Interest on levies

Electricity Act 1992

Rules about how much electricity costs and what happens if someone breaks those rules

Electricity Act 1992

What counts as a home for electricity pricing has changed

64: Definition of domestic premises

Electricity Act 1992

Rules about money records for groups that help customers and communities

Electricity Act 1992

Community and customer trusts no longer need to have their money records checked by experts

158A: Community and customer trusts to prepare audited financial statements

Electricity Act 1992

Law about sharing money reports no longer applies

158B: Publication of audited financial statements

Electricity Act 1992

Rules about financial statements for trusts have been removed from the law

158F: Application of sections 158A to 158E

Electricity Act 1992

Rules about choosing which company sells you electricity

Electricity Act 1992

Rules about how people who benefit from community and customer trusts can access information

Electricity Act 1992

Money collected from people involved in the electricity business

Electricity Act 1992

This section changed another law about money, but it's not used anymore

172ZH: Amendment to Public Finance Act 1989

Electricity Act 1992

Paying fines and money owed to the Electricity Board

147O: Enforcement of fines, costs, and expenses

Corrections Act 2004

Your benefit payments can stop straight away if the government finds incorrect information about you.

180C: Social assistance may be suspended immediately if discrepancy discovered

Corrections Act 2004

Notice to tell you why your payments are suspended

180D: Notice required by section 180C(1)(d)

Corrections Act 2004

Staff who contribute to the Government Superannuation Fund can keep doing so if they work in a contract prison

199K: Transferring staff who are contributors to Government Superannuation Fund

Corrections Act 2004

What happens to the money prisoners earn when they work

67: Earnings of employed prisoner

Corrections Act 2004

Sharing prisoner information to help with benefits and payments

180: Purpose of section 180A

Corrections Act 2004

Sharing prisoner information to help with tax.

Corrections Act 2004

The government can share your personal info with tax officials if they have an agreement.

180E: Information may be disclosed for taxation purposes

Food Act 2014

Unpaid fees and charges are debts you must pay to the government or council.

211: Fees, charges, and levies to constitute debt

Food Act 2014

Breaking the law by lying about food or changing it to deceive people

227: Offences involving intentionally defeating purpose of Act or deceiving in relation to identifying or representing food

Food Act 2014

Breaking food rules: lying about what's in your food or where it comes from is against the law.

228: Offences involving identifying or representing food

Food Act 2014

Reviewer can make you pay costs if you waste the other party's time or money.

360: Reviewer may require payment of costs in review of decision by relevant territorial authority

Building Act 2004

You don't have to pay the building fee if your project costs less than a certain amount.

55: Exemption from levy

Building Act 2004

You don't need to pay more money for building work unless the cost of the work changes after you've already paid.

56: Payment of levy sufficient unless estimated value of building work changes

Building Act 2004

Money from fines for breaking this law goes to the local council that started the court case.

389: Fines to be paid to territorial authority or regional authority instituting prosecution

Building Act 2004

This law says it's okay to collect and use money from special fees, even if people thought it wasn't allowed before.

428: Validation of accumulation of levy

Building Act 2004

Rules about old fees and costs still apply, even if they were charged before this law was made

281D: Validity of previous fees, charges, and additional costs

Building Act 2004

This part doesn't change your rights as a shopper under other laws that protect you.

362C: Consumer rights under Fair Trading Act 1986 or Consumer Guarantees Act 1993 not affected by this Part

Building Act 2004

Selling a house without a code compliance certificate can get you in trouble with the law.

362V: Offence for commercial on-seller to transfer household unit without code compliance certificate

Building Act 2004

You can get in trouble if you sell or bring in building products without following the rules about sharing information.

362VB: Failure to comply with building product information requirements an offence

Charitable Trusts Act 1957

Understanding important words in this law

2: Interpretation

Charitable Trusts Act 1957

Tell everyone about changes to a charitable trust before the court decides

36: Scheme to be advertised

Charitable Trusts Act 1957

This part explains which charitable donations are covered by the law

39: Funds to which this Part applies

Charitable Trusts Act 1957

You can ask for your donation back before the meeting about changing the charity's purpose

49: Contributor may get back money before date fixed for first meeting of contributors

Charitable Trusts Act 1957

Attorney-General or court can change how meetings about charity money are held or skip them if not worth the trouble

50: Attorney-General or court may dispense with meeting of contributors

Consumer Guarantees Act 1993

Ensuring fair and confident buying and selling for everyone

Consumer Guarantees Act 1993

This law's name and when it started working

1: Short Title and commencement

Consumer Guarantees Act 1993

This part explains what important words mean in this law

2: Interpretation

Consumer Guarantees Act 1993

This law applies to everyone, including the government

3: Act to bind the Crown

Consumer Guarantees Act 1993

This law works with other laws to protect you

4: Act not a code

Consumer Guarantees Act 1993

Promises about things you buy

Consumer Guarantees Act 1993

Promises sellers make about who owns the things they sell you

5: Guarantees as to title

Consumer Guarantees Act 1993

Goods you buy should be good enough to use

6: Guarantee as to acceptable quality

Consumer Guarantees Act 1993

What it means for something you buy or hire to be good enough

7: Meaning of acceptable quality

Consumer Guarantees Act 1993

Products must work for what you want to use them for

8: Guarantees as to fitness for particular purpose

Consumer Guarantees Act 1993

Sellers must make sure what you buy matches how it was described

9: Guarantee that goods comply with description

Consumer Guarantees Act 1993

Goods must match the sample or demo you saw when buying

10: Guarantee that goods comply with sample

Consumer Guarantees Act 1993

A promise that you won't be charged too much when buying something

11: Guarantee as to price

Consumer Guarantees Act 1993

Makers must provide repairs and parts for a reasonable time

12: Guarantee as to repairs and spare parts

Consumer Guarantees Act 1993

Promises made by product makers must be kept

13: Express guarantees

Consumer Guarantees Act 1993

Rules about selling things to people

Consumer Guarantees Act 1993

Rules for promises made by companies who make things you buy

14: Provisions relating to manufacturers' express guarantees

Consumer Guarantees Act 1993

Goods you get as part of a service still have to be good quality

15: Contracts of work and materials

Consumer Guarantees Act 1993

When you can ask a shop to fix or replace things you bought

Consumer Guarantees Act 1993

You can ask suppliers to fix problems with things you bought

Consumer Guarantees Act 1993

When a seller's product doesn't meet promises, you can ask them to fix it

16: Circumstances where consumers have right of redress against suppliers

Consumer Guarantees Act 1993

When goods are good enough, but someone said something extra that made them seem better

17: Exception in respect of guarantee as to acceptable quality

Consumer Guarantees Act 1993

Ways to fix problems when you buy something

Consumer Guarantees Act 1993

What you can do if something you bought doesn't work properly

18: Options against suppliers where goods do not comply with guarantees

Consumer Guarantees Act 1993

The seller must fix problems with things you buy

19: Requirement to remedy

Consumer Guarantees Act 1993

Rules about when you can return things you bought that aren't right

Consumer Guarantees Act 1993

You can't return goods if you don't follow the rules for returning them

20: Loss of right to reject goods

Consumer Guarantees Act 1993

When a product is really not what you expected or doesn't work properly

21: Failure of substantial character

Consumer Guarantees Act 1993

How to tell a shop you don't want their stuff anymore

22: Manner of rejecting goods

Consumer Guarantees Act 1993

When something you bought is bad, you can choose to get your money back or get a new one

23: Consumers' options of refund or replacement

Consumer Guarantees Act 1993

People who get gifts have the same rights as if they bought the item themselves

24: Rights of donees

Consumer Guarantees Act 1993

When you can ask the maker to fix or replace things they sold you that don't work properly

Consumer Guarantees Act 1993

The right to seek help from makers when something you bought isn't good

Consumer Guarantees Act 1993

When you can ask the maker of a product to fix problems with it

25: Circumstances where consumers have right of redress against manufacturers

Consumer Guarantees Act 1993

When you can't ask the maker to fix a faulty product

26: Exceptions to right of redress against manufacturers

Consumer Guarantees Act 1993

Ways to fix problems or get help when something goes wrong

Consumer Guarantees Act 1993

What you can do if something you bought doesn't work properly

27: Options against manufacturers where goods do not comply with guarantees

Consumer Guarantees Act 1993

Getting Things Done for You: Making Sure Services Are Good and Fair

Consumer Guarantees Act 1993

Services must be done carefully and properly

28: Guarantee as to reasonable care and skill

Consumer Guarantees Act 1993

Guarantee that a service will do what you ask for

29: Guarantee as to fitness for particular purpose

Consumer Guarantees Act 1993

Services must be finished on time

30: Guarantee as to time of completion

Consumer Guarantees Act 1993

A fair price guarantee for services when the price isn't already set

31: Guarantee as to price

Consumer Guarantees Act 1993

What you can do if a service doesn't meet the promised quality

Consumer Guarantees Act 1993

What you can do if a service doesn't meet the promises made to you

32: Options of consumers where services do not comply with guarantees

Consumer Guarantees Act 1993

When you can't ask the supplier to fix a problem with a service

33: Exceptions to right of redress against supplier in relation to services

Consumer Guarantees Act 1993

Your rights when someone does work and provides materials

34: Contracts of work and materials

Consumer Guarantees Act 1993

Rules about stopping a service you don't want anymore

Consumer Guarantees Act 1993

When you buy something with a small service included, you can't cancel just the service part

35: Application of right to cancel contract

Consumer Guarantees Act 1993

When a service you get has a really big problem

36: Failure of substantial character

Consumer Guarantees Act 1993

How to properly cancel a service contract

37: Rules applying to cancellation

Consumer Guarantees Act 1993

What happens when you cancel a service contract

38: Effects of cancellation

Consumer Guarantees Act 1993

Courts and Tribunals can help make things fair when you cancel a service

39: Ancillary power of court or Disputes Tribunal to grant relief

Consumer Guarantees Act 1993

This section keeps other important rules in place

40: Saving

Consumer Guarantees Act 1993

Other important rules and details

Consumer Guarantees Act 1993

Things that don't follow the normal rules

Consumer Guarantees Act 1993

When this law doesn't work: gifts from friends and charity help

41: Exceptions

Consumer Guarantees Act 1993

When makers don't have to provide repairs and parts for things you buy

42: Exception in respect of repairs and parts

Consumer Guarantees Act 1993

You must follow the Act's rules, except for some business deals

43: No contracting out except for business transactions

Consumer Guarantees Act 1993

When you can stop someone who didn't make a deal with you from being responsible

43A: Exclusion of liability in favour of non-contracting supplier

Consumer Guarantees Act 1993

Some extra rules that don't fit into other categories

Consumer Guarantees Act 1993

How to get money back for faulty items bought on a payment plan

44: Assessment of damages in case of hire purchase agreements

Consumer Guarantees Act 1993

Who is responsible when promises are made about goods you buy

45: Liability for representations

Consumer Guarantees Act 1993

Who has to pay if there's a problem with something you bought

46: Liability of assignees and creditors

Consumer Guarantees Act 1993

Which court can help you with problems about things you bought?

47: Jurisdiction

Consumer Guarantees Act 1993

Changes made to an old law about buying and selling things

Consumer Guarantees Act 1993

When the Consumer Guarantees Act applies, different rules are used instead of the Sale of Goods Act

48: Exclusion where Consumer Guarantees Act 1993 applies

Consumer Guarantees Act 1993

Changes made to the rules about buying things on payments over time

Consumer Guarantees Act 1993

This rule about consumer rights for hire purchases no longer exists

49: Exclusion where Consumer Guarantees Act 1993 applies

Consumer Guarantees Act 1993

Changes to the rules for people who sell cars

Consumer Guarantees Act 1993

How a special fund for car dealers has changed

50: Application of Motor Vehicle Dealers Fidelity Guarantee Fund

Consumer Guarantees Act 1993

What the Disputes Tribunal can and can't decide

51: Jurisdiction of Disputes Tribunal

Consumer Guarantees Act 1993

When you have a problem with a car, you can ask a special helper to solve it

52: Referral of certain disputes to Disputes Tribunal

Consumer Guarantees Act 1993

Changes to rules about fixing problems in agreements

Consumer Guarantees Act 1993

This part explains how the law deals with people who take over others' rights

53: Assignees

Consumer Guarantees Act 1993

Changes to another law are saved and included in that law

54: Savings

Consumer Guarantees Act 1993

These changes don't change how the Fair Trading Act and Consumer Guarantees Act work

55: Fair Trading Act 1986 and Consumer Guarantees Act 1993 not affected

Consumer Guarantees Act 1993

Rules about when and how these laws are used

Consumer Guarantees Act 1993

This law doesn't work for stuff you bought or services you hired before it started

56: Application of Act

Consumer Guarantees Act 1993

This law explains how to make buying and selling fair for everyone

1A: Purpose

Consumer Guarantees Act 1993

What happens when you buy things using a special credit deal set up by the seller

23A: Goods subject to collateral credit agreement

Consumer Guarantees Act 1993

Rules for cancelling a service you bought with a special payment plan

39A: Services subject to collateral credit agreement

Consumer Guarantees Act 1993

Goods must be delivered on time or you can ask for help

5A: Guarantee as to delivery

Consumer Guarantees Act 1993

Gas and electricity must be safe, reliable, and good enough for everyday use

7A: Guarantee of acceptable quality in supply of gas and electricity

Consumer Guarantees Act 1993

How section 7A works with the rest of the Consumer Guarantees Act

7B: Relationship of section 7A with rest of Act

Consumer Guarantees Act 1993

Gas and electricity sellers can get money back from pipe and line owners if there are problems

46A: Indemnification of gas and electricity retailers

Biosecurity Act 1993

Money collected from a levy must be kept in a special bank account for the Director-General.

140A: Trust accounts for levy money payable to Director-General

Biosecurity Act 1993

Money collected from levies must be kept in a special bank account, separate from other money.

100O: Trust accounts for levy money

Biosecurity Act 1993

Checking people are paying the right amount of levy

100P: Compliance audits for levy

Biosecurity Act 1993

Fines are penalties you pay with money.

Student Loan Scheme Act 2011

Tax office can take extra money from your pay to fix student loan mistakes

49: Commissioner must issue additional deduction rate notice to obtain Commissioner deductions

Student Loan Scheme Act 2011

Help if you're struggling to pay back your student loan

147: Hardship relief for any tax year

Student Loan Scheme Act 2011

You can't ask to lower your student loan payments anymore

101: Borrower may apply for reduction of deduction rate to reflect lower repayment obligation

Student Loan Scheme Act 2011

Asking to use leftover repayment limit for your second job's earnings

42: Application for unused repayment threshold to be allocated to secondary employment earnings

Student Loan Scheme Act 2011

Managing education loans and setting up fair repayment rules

Student Loan Scheme Act 2011

When the different parts of the student loan law start working

2: Commencement

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

This law explains why we have student loans and how they work

3: Purposes

Student Loan Scheme Act 2011

Words used in the student loan rules and what they mean

4: Interpretation

Student Loan Scheme Act 2011

This law explains who needs to pay back student loans and when

6: Application of Act

Student Loan Scheme Act 2011

This law explains how bonded scholarships are treated like student loans if you break the rules

7: Application of Act to bonded scholarships

Student Loan Scheme Act 2011

The government must follow the student loan rules too

8: Act binds the Crown

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

Why the law lets people share information about student loans

9: Purposes of sections 10, 11, 16, and 17

Student Loan Scheme Act 2011

Student loan manager tells tax office about loan requests

10: Loan manager must notify Commissioner of persons who apply for student loan

Student Loan Scheme Act 2011

Loan company tells tax office about student borrowers

16: Loan manager must notify Commissioner of borrower's details

Student Loan Scheme Act 2011

Inland Revenue tells you how much you owe on your student loan

19: Commissioner must inform borrowers about consolidated loan balance

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

Explains when you're based in New Zealand or overseas for your student loan

21: Overview of being New Zealand-based or overseas-based

Student Loan Scheme Act 2011

What it means to be based in New Zealand for student loans

22: Meaning of New Zealand-based

Student Loan Scheme Act 2011

When the law thinks you live outside New Zealand

23: Meaning of overseas-based

Student Loan Scheme Act 2011

How part-days in New Zealand count for student loans

24: Treatment of partial days

Student Loan Scheme Act 2011

Some people with student loans can be seen as if they're in New Zealand even when they're not

Student Loan Scheme Act 2011

Borrowers abroad might be treated as if they're in New Zealand for their student loans

25: Commissioner may treat certain borrowers as being physically in New Zealand

Student Loan Scheme Act 2011

How to ask to be treated as if you're in New Zealand for your student loan

26: Method of making application and provision of evidence and information

Student Loan Scheme Act 2011

Student loan boss tells you when you're treated as being in NZ

27: Commissioner must notify borrower and specify period or conditions when granting application

Student Loan Scheme Act 2011

You must tell the government when you leave or come back to New Zealand

Student Loan Scheme Act 2011

Tell the government if you'll be away from New Zealand for a long time

28: Borrower to notify Commissioner of absence from New Zealand of 184 or more days

Student Loan Scheme Act 2011

Tell the government when you return to New Zealand for more than 6 months

29: Borrower to notify Commissioner of return to New Zealand of more than 183 days

Student Loan Scheme Act 2011

How you pay back your student loan if you're in New Zealand or overseas

Student Loan Scheme Act 2011

You must repay the money you borrowed for your student loan

30: Borrower's liability to repay consolidated loan balance

Student Loan Scheme Act 2011

Different loan repayment rules for people living in New Zealand and overseas

31: Repayment obligations that apply to New Zealand-based borrowers and overseas-based borrowers

Student Loan Scheme Act 2011

How the law applies to you based on your income sources

32: Interrelationship between subparts 1 and 2

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

Rules for repaying student loans if you work in New Zealand

33: Application of this subpart

Student Loan Scheme Act 2011

Rules about how to pay back student loans

Student Loan Scheme Act 2011

Rules for taking student loan payments from your work pay in New Zealand

34: Repayment codes for New Zealand-based borrowers who derive salary or wages

Student Loan Scheme Act 2011

Tell your boss about your student loan when you start work

35: Borrowers with SL repayment code must notify employers

Student Loan Scheme Act 2011

Money taken from your pay to repay your student loan

Student Loan Scheme Act 2011

Bosses take out student loan money from your pay

36: Employer or PAYE intermediary must make standard deductions from salary or wages

Student Loan Scheme Act 2011

How much money your work takes from your pay to help pay back your student loan

37: Deduction rates that apply to standard deductions from salary or wages

Student Loan Scheme Act 2011

Special rules for taking student loan payments from your main benefit

40: Deductions from main benefits

Student Loan Scheme Act 2011

You might be able to use extra money from your main job to help pay off your student loan from your second job.

Student Loan Scheme Act 2011

Words that explain when you need to start paying back your student loan

41: Definitions relating to repayment thresholds

Student Loan Scheme Act 2011

How to guess your income for three months

43: Determining estimated salary or wages

Student Loan Scheme Act 2011

How to work out the leftover money you can earn before paying back your student loan

44: Calculating borrower's unused repayment threshold for pay period

Student Loan Scheme Act 2011

Getting a special certificate to use your leftover repayment threshold for your second job

45: Special deduction rate certificate for unused repayment threshold

Student Loan Scheme Act 2011

The government can give you a special paper that changes how much money is taken from your pay

46: Issue and application of special deduction rate certificate

Student Loan Scheme Act 2011

Keep checking and telling the government about changes to your loan and work

47: Ongoing obligations of borrower to review and notify

Student Loan Scheme Act 2011

When your special student loan repayment rate ends

48: Time when special deduction rate ceases to apply

Student Loan Scheme Act 2011

The government can take money you owe from your pay

Student Loan Scheme Act 2011

How the government tells you and your employer about taking more money from your pay for your student loan

50: Procedures for issue of additional deduction rate notice

Student Loan Scheme Act 2011

Ways to collect money that borrowers still owe

Student Loan Scheme Act 2011

Checking if the right amount was taken from your pay for your student loan

51: Assessment of standard deductions that ought to have been made

Student Loan Scheme Act 2011

How the government checks and tells you about your student loan payments

52: Recovery of assessed amounts

Student Loan Scheme Act 2011

Students who study full-time don't have to make regular loan payments

Student Loan Scheme Act 2011

Telling the government you don't want money taken out of your pay for your student loan

55: Declaration by eligible borrowers for exemption from standard deductions

Student Loan Scheme Act 2011

What happens when you tell the government about your student loan payments

56: Notice from Commissioner

Student Loan Scheme Act 2011

What happens when you don't need student loan money taken from your pay

57: Consequences of exemption from standard deductions

Student Loan Scheme Act 2011

You can change your mind about not paying your student loan from your pay

58: Withdrawal of declaration

Student Loan Scheme Act 2011

Tell IRD and your boss if something changes with your student loan

59: Notice of change of circumstances

Student Loan Scheme Act 2011

When you can't be exempt from student loan deductions anymore

60: When exemption from standard deductions ceases to apply

Student Loan Scheme Act 2011

What borrowers need to know and decide about paying back their loans

Student Loan Scheme Act 2011

Employers must share details about student loan money taken from pay

61: Information to show salary or wage deductions made

Student Loan Scheme Act 2011

Commissioner helps decide how much to take from your pay for student loans

62: Commissioner must determine question about amount of salary or wage deductions

Student Loan Scheme Act 2011

When regular payments are too high or too low

Student Loan Scheme Act 2011

The Student Loan Boss decides when mistakes in repayments are big enough to worry about

63: Commissioner determines what is significant under-deduction or significant over-deduction

Student Loan Scheme Act 2011

Money taken from your pay for student loans is final unless there's a big mistake

64: Standard deductions are full and final unless significant error

Student Loan Scheme Act 2011

What to do if you think too much money was taken for your student loan

65: Significant over-deduction identified by borrower

Student Loan Scheme Act 2011

The government checks if they took too much money for your student loan

66: Commissioner must determine whether significant over-deduction made

Student Loan Scheme Act 2011

What happens if not enough money is taken from your pay for your student loan

68: Applicable procedures if significant under-deduction

Student Loan Scheme Act 2011

General rules about taking money from your pay for student loans

Student Loan Scheme Act 2011

The government can stop you from changing your loan payments if they think you're not being fair

69: Prohibition on applications or declarations to maintain integrity of student loan scheme

Student Loan Scheme Act 2011

Rules for taking money from your pay for student loans

70: PAYE rules apply to salary or wage deductions

Student Loan Scheme Act 2011

Extra money taken from your pay to repay your student loan

71: Salary or wage deductions in addition to income tax withheld

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

This part explains who needs to repay student loans

72: Application of this subpart

Student Loan Scheme Act 2011

Explaining how your income is calculated for student loan repayments

73: Meaning of adjusted net income, Schedule 3 adjustments, and related terms

Student Loan Scheme Act 2011

Telling the government about changes to your income for your student loan

74: Notification of Schedule 3 adjustments

Student Loan Scheme Act 2011

You can ask for more time to tell about changes to your student loan repayments

75: Extension of time for notification of Schedule 3 adjustments

Student Loan Scheme Act 2011

The government calculates how much you owe for your student loan each year

76: Commissioner to assess borrower's end-of-year repayment obligation

Student Loan Scheme Act 2011

How to work out your student loan repayment when you earn less than a set amount

77: Calculation of borrower's end-of-year repayment obligation if salary or wages less than annual repayment threshold

Student Loan Scheme Act 2011

How the government works out how much of your student loan you need to pay back each year if you earn enough money

78: Calculation of borrower's end-of-year repayment obligation where salary or wages equal to or more than annual repayment threshold

Student Loan Scheme Act 2011

Pay your final student loan bill for the year

79: Payment of end-of-year repayment obligation

Student Loan Scheme Act 2011

Figuring out your final student loan payment for the year

80: Calculation of terminal payment for tax year

Student Loan Scheme Act 2011

When you need to pay the last bit of your student loan

81: Due date for terminal payment

Student Loan Scheme Act 2011

When you need to pay parts of your student loan during the year

84: Due dates for payment of interim payments

Student Loan Scheme Act 2011

The Commissioner can change when you pay your student loan

85: Commissioner's powers in relation to due dates

Student Loan Scheme Act 2011

Student loan interim payments follow the same rules as tax payments

86: Interim payments to be paid in same manner as provisional tax

Student Loan Scheme Act 2011

What happens if you don't pay back your student loan on time

87: Consequence of failure to meet repayment obligations

Student Loan Scheme Act 2011

Student Loan Scheme Act 2011

This part of the law was removed and doesn't apply to student loans anymore

88: Application of this subpart

Student Loan Scheme Act 2011

Figuring out how much you need to pay back for money you made outside of work

Student Loan Scheme Act 2011

The tax office used to figure out how much you owe on your student loan, but they don't do that anymore.

89: Commissioner to assess borrower's other income repayment obligation

Student Loan Scheme Act 2011

How to figure out how much you need to repay for other types of income

Student Loan Scheme Act 2011

How we used to figure out loan repayments for people with low wages and other income

90: Calculation of borrower's other income repayment obligation where salary or wages below threshold

Student Loan Scheme Act 2011

Old rule for calculating extra student loan payments no longer applies

91: Calculation of borrower's other income repayment obligation where salary or wages equal to or above threshold

Student Loan Scheme Act 2011

Paying back money owed from other sources of income

Student Loan Scheme Act 2011

Rules for paying back student loans from extra money you earn have been removed

92: Payment of other income repayment obligations

Student Loan Scheme Act 2011

How to figure out leftover student loan payments for the year (old rule, no longer used)

93: Calculation of remaining repayments for tax year

Companies Act 1993

Companies can issue loans that may never be repaid

95A: Perpetual debentures

Companies Act 1993

Reissuing or replacing company debentures that have been paid off

95B: Power to reissue redeemed debentures in certain cases

Companies Act 1993

Court can order you to follow through on agreements to lend money to companies

95C: Specific performance of contracts to subscribe for debentures

Companies Act 1993

Settling share price disputes through independent arbitration

112A: Price for shares referred to arbitration if shareholder objects to price

Companies Act 1993

You might get extra money if your share payment is late

112B: Interest payable on outstanding payments

Companies Act 1993

When a company buys your shares and how it affects your shareholder rights

112C: Timing of transfer of shares

Companies Act 1993

Rules for determining if a company is a subsidiary of another

8: Certain matters to be disregarded

Companies Act 1993

What shares are and how you can own them

35: Legal nature of shares

Companies Act 1993

What you can do and get as a shareholder

36: Rights and powers attaching to shares

Companies Act 1993

How you can pay for shares when a company issues them

46: Consideration for issue of shares

Companies Act 1993

Board decides share price and terms for new or existing shares

47: Consideration to be decided by board

Companies Act 1993

Rules for issuing share options and convertible products

49: Consideration in relation to issue of options and convertible financial products

Companies Act 1993

Company directors can approve sharing profits with shareholders if the company can still pay its bills

52: Board may authorise distributions

Companies Act 1993

Rules for companies paying money to shareholders

53: Dividends

Companies Act 1993

Rules for offering special deals to company owners

55: Shareholder discounts

Companies Act 1993

Getting back money or assets given to shareholders when the company couldn't afford it

56: Recovery of distributions

Companies Act 1993

Companies must notify shareholders before buying their own shares on the stock exchange

63: Stock exchange acquisitions subject to prior notice to shareholders

Companies Act 1993

Rules for a company selling its own shares

67C: Reissue of shares company holds in itself

Companies Act 1993

Rules for companies helping someone buy their shares

76: Financial assistance

Companies Act 1993

A company must ensure it can pay its bills before helping someone buy its shares

77: Company must satisfy solvency test

Companies Act 1993

Rules for companies providing financial assistance to purchase their own shares

78: Special financial assistance

Companies Act 1993

A report explaining how a company is helping someone buy its shares

79: Disclosure document

Companies Act 1993

Company can give small financial help for share purchases if conditions met

80: Financial assistance not exceeding 5% of shareholders' funds

Companies Act 1993

How to transfer ownership of company shares

84: Transfer of shares

Companies Act 1993

Companies must keep a detailed record of all share ownership

87: Company to maintain share register

Companies Act 1993

When you're bankrupt, someone else can be registered as the owner of your shares

94: Assignee of bankrupt may be registered

Companies Act 1993

Rules for receiving and using share certificates

95: Share certificates

Companies Act 1993

Shareholder Rules

Companies Act 1993

Shareholders' financial responsibilities to the company are limited

97: Liability of shareholders

Companies Act 1993

Rules about owing money to a company for current and former shareholders

99: Additional provisions relating to liability of shareholders and former shareholders

Companies Act 1993

Company rule changes can't force you to buy more shares

101: Shareholders not required to acquire shares by alteration to constitution

Companies Act 1993

Assignee's limited responsibility for bankrupt shareholder's unpaid shares

103: Liability of an assignee

Companies Act 1993

Company actions allowed when all decision-makers agree

107: Unanimous assent to certain types of action

Companies Act 1993

Court can excuse company from buying shares if it can't afford them

115: Court may grant exemption if company insolvent

Companies Act 1993

Shareholders' rights: who can receive money, attend meetings, and make decisions

125: Shareholders entitled to receive distributions, attend meetings, and exercise rights

Companies Act 1993

What counts as having control over a company's shares

146: Meaning of relevant interest

Companies Act 1993

Directors must follow rules when trading company shares

149: Restrictions on share dealing by directors

Companies Act 1993

Actions that can be unfair to shareholders

175: Certain conduct deemed prejudicial

Companies Act 1993

Required records that companies must keep and where to keep them

189: Company records

Companies Act 1993

Overseas financial statements can be accepted if they meet similar standards

203: Recognition of financial reporting requirements of overseas countries

Companies Act 1993

Companies must provide shareholders with annual reports or notices about accessing them

209: Obligation to make annual report available to shareholders

Companies Act 1993

What you need to include in your company's yearly report

211: Contents of annual report

Companies Act 1993

How companies get approval to join together

221: Approval of amalgamation proposal

Companies Act 1993

Rules for handling company records and property ownership during mergers

225A: Registers

Companies Act 1993

Suggesting a plan to help a struggling company pay its debts

228: Compromise proposal

Companies Act 1993

Court can assist with company debt arrangements and ensure fairness

232: Powers of court

Companies Act 1993

A company in trouble can get help. This help is called administration. It has rules to follow. The person in charge is the administrator. They make big decisions for the company. The administrator helps the company pay its debts. The company and its creditors work together. They try to find a way to save the company. If they can't, the company might close down. There are meetings to discuss what to do. The administrator and creditors talk about options. They try to find the best solution for everyone.

Companies Act 1993

How administrators get paid for their work and how their pay can be reviewed

239O: Remuneration of administrator

Companies Act 1993

Rules for property transactions when a company is in administration

239Z: Effect on dealing with company property

Companies Act 1993

Administrator checks company's situation and considers options for creditors

239AE: Administrator must investigate company's affairs and consider possible courses of action

Companies Act 1993

Explaining key terms for secured creditors during company administration

239ABK: Meaning of terms used in this subpart

Companies Act 1993

What happens when a secured creditor enforces their rights during company administration

239ABL: If secured creditor acts before or during decision period

Companies Act 1993

Court can restrict actions of those with rights over a company's property during administration

239ABO: Court may limit powers of secured creditor, etc, in relation to property subject to charge

Companies Act 1993

How a deed of arrangement affects people the company owes money to

239ACT: Extent to which deed binds creditors

Companies Act 1993

Court can cancel or change creditors' alterations to company agreements

239ADB: Court may cancel creditors' variation

Companies Act 1993

Administrator's repayment rights come before most other company debts

239ADM: Administrator's right of indemnity has priority over other debts

Companies Act 1993

Rules for written netting agreements and how they apply

239AEH: Application of set-off under netting agreement

Companies Act 1993

Rules for companies in trouble: • What happens when a company can't pay debts • How to choose a person to help fix the company • What this person can and can't do

Companies Act 1993

What happens when a company starts liquidation

248: Effect of commencement of liquidation

Companies Act 1993

Limits on keeping company documents as security for unpaid debts during liquidation

263: Restriction on enforcement of lien over documents

Companies Act 1993

Combining assets and debts of connected companies during liquidation

271: Pooling of assets of related companies

Companies Act 1993

Essential services must be provided to companies in liquidation

275: Refusal to supply essential services prohibited

Companies Act 1993

Rules for who can and cannot be appointed as a company liquidator

280: Who may be appointed as liquidator

Companies Act 1993

A formal written request for a company to pay its debts

289: Statutory demand

Companies Act 1993

When certain charges on company property can be cancelled

293: Voidable charges

Companies Act 1993

Recovering money from unfair deals made by a company before liquidation

297: Transactions at undervalue

Companies Act 1993

Rules for handling debts when a company can't pay and is being shut down

302: Application of bankruptcy rules to liquidation of insolvent companies

Companies Act 1993

How unsecured creditors can claim money from a company in liquidation

304: Claims by unsecured creditors

Companies Act 1993

What secured creditors can do and must do when a company is being liquidated

305: Rights and duties of secured creditors

Companies Act 1993

How debts are balanced when a company is being liquidated

310: Mutual credit and set-off

Companies Act 1993

How set-off works in netting agreements for creditors' claims

310B: Application of set-off under netting agreement

Companies Act 1993

Netting agreements remain valid when a company is liquidated

310H: Rights under netting agreement not affected by commencement of liquidation

Companies Act 1993

The Bank can officially recognise organisations that handle payment clearing

310K: Certain persons may be declared to be recognised clearing houses

Companies Act 1993

Factors the Bank considers when declaring, changing, or cancelling rules for clearing houses

310L: Matters that Bank must or may have regard to when making, varying, or revoking declaration under section 310K

Companies Act 1993

Bank can set rules for clearing houses when making declarations

310M: Bank may impose conditions in declaration under section 310K

Companies Act 1993

Bank must inform and consult clearing house before changing its declaration

310N: Bank to notify recognised clearing house about Bank's intention to revoke or vary declaration under section 310K

Companies Act 1993

How interest is calculated and paid on claims during company liquidation

311: Interest on claims

Companies Act 1993

Setting up a special account for leftover money from closed companies

316: Establishment of Liquidation Surplus Account

Companies Act 1993

Property ownership changes when a company is removed from the register

324: Property of company removed from register

Companies Act 1993

Directors can be fined if the company breaks rules

374: Penalties that may be imposed on directors in cases of failure by board or company to comply with Act

Companies Act 1993

How companies send documents to shareholders and creditors

391: Service of documents on shareholders and creditors

Companies Act 1993

What happens when creditors meet to discuss a company in trouble

Schedule 5: Proceedings at meetings of creditors

Companies Act 1993

Who gets paid first when a company closes down

Schedule 7: Preferential claims

Companies Act 1993

Special rules apply when putting a licensed insurer into liquidation

240A: Liquidation of licensed insurers

Companies Act 1993

Auditors must follow official standards when checking company finances

207A: Audit must be carried out in accordance with auditing and assurance standards

Companies Act 1993

You can ask for a copy of the money papers made for taxes

Companies Act 1993

Shareholders can ask for and receive tax-related financial statements

207F: Shareholders may request copy of financial statements prepared for tax purposes

Companies Act 1993

Explaining key terms for financial statement registration rules

207X: Interpretation in this subpart

Companies Act 1993

How fines for breaking company rules are paid to the government

207ZB: Payment of infringement fee

Companies Act 1993

Rules for changing or combining code companies that affect voting rights

236A: Arrangement or amalgamation involving code company

Companies Act 1993

Different reporting rules for companies that deal with financial markets

209C: Alternative obligations for FMC reporting entities

Companies Act 1993

What happens when a company or group is closed down and its assets and debts are sorted out

Schedule 11: Liquidation of associations

Companies Act 1993

Fee for New Zealand Business Number costs is confirmed as valid

402: Validation of fee used to recover costs of Registrar of New Zealand Business Numbers

Companies Act 1993

Rules for enforcing security over collateral in certain financial agreements during voluntary administration

239ABMA: Enforcement of security interest over collateral for qualifying derivative

Companies Act 1993

Help for businesses struggling with debt due to COVID-19

Schedule 13: COVID-19 business debt hibernation

Companies Act 1993

Managing company funds during liquidation

256A: Duties in relation to company money

Companies Act 1993

Rules for protecting innocent buyers when company property transfers are challenged

296D: Additional provisions relating to setting aside dispositions

Companies Act 1993

Confirming the legality of past fees for Companies Office services

403: Validation of fees used to recover costs of other Companies Office registers, etc

Companies Act 1993

Explaining why the government charges fees for using official registers

404: Purpose of imposing levies

Companies Act 1993

Rules for collecting money from certain groups to help pay for company registration costs

405: Regulations relating to levies

Financial Markets Authority Act 2011

Setting up a new financial watchdog for New Zealand

Financial Markets Authority Act 2011

This Act creates a new group to watch over money matters in New Zealand

3: Purpose of this Act

Financial Markets Authority Act 2011

Understanding key terms in the Financial Markets Authority Act

4: Interpretation

Financial Markets Authority Act 2011

The government must follow this law just like everyone else

5: Act binds the Crown

Financial Markets Authority Act 2011

Setting up and running the group that watches over money matters

Financial Markets Authority Act 2011

Creating a new group to watch over money matters

Financial Markets Authority Act 2011

New government team created to watch over money matters

6: Financial Markets Authority established

Financial Markets Authority Act 2011

The FMA is a special part of the New Zealand government with its own rules

7: FMA is Crown entity

Financial Markets Authority Act 2011

The main goals and jobs of the Financial Markets Authority

Financial Markets Authority Act 2011

The Financial Markets Authority (FMA) helps make sure money markets are fair and safe for everyone

9: FMA's functions

Financial Markets Authority Act 2011

Who is part of the FMA's leadership team

Financial Markets Authority Act 2011

How many people can be on the FMA board?

10: Membership of board of FMA

Financial Markets Authority Act 2011

FMA board can have special helpers chosen by the Minister

11: Associate members

Financial Markets Authority Act 2011

Associate members can do FMA board tasks, but only for specific topics

12: Associate member treated as member of board

Financial Markets Authority Act 2011

How associate members can be removed from their job

13: Removal of associate members

Financial Markets Authority Act 2011

Rules about different parts of the Financial Markets Authority

Financial Markets Authority Act 2011

The FMA can split up its work into different teams

14: FMA may act by divisions

Financial Markets Authority Act 2011

Rules for setting up and running groups within the Financial Markets Authority

15: Membership, chairperson, meetings, and resolutions of division

Financial Markets Authority Act 2011

The FMA can use smaller groups to make decisions and do tasks

16: Powers of division

Financial Markets Authority Act 2011

Rules about how the FMA holds its meetings

Financial Markets Authority Act 2011

How many FMA members must attend meetings for decisions to be made

17: Quorum for meetings of FMA

Financial Markets Authority Act 2011

What happens if someone can't make it to an important FMA meeting?

18: Completion of proceedings where member unable to attend meeting

Financial Markets Authority Act 2011

Other important things to know about

Financial Markets Authority Act 2011

Minister can ask FMA to check and write about money markets

20: Minister may request that FMA inquire and report

Financial Markets Authority Act 2011

Rules for FMA workers using the Government Superannuation Fund

21: Provisions relating to Government Superannuation Fund

Financial Markets Authority Act 2011

FMA and its people can't be sued for doing their job unless they were really careless

22: Protection from liability for FMA and members and employees

Financial Markets Authority Act 2011

The FMA can share information safely while doing its job

23: FMA's warnings, reports, guidelines, or comments protected by qualified privilege

Financial Markets Authority Act 2011

How the FMA proves its decisions in court

24: Evidence of orders and decisions of FMA

Financial Markets Authority Act 2011

How the FMA can gather information and enforce rules to keep financial markets fair

Financial Markets Authority Act 2011

Financial Markets Authority Act 2011

The authority can ask for and collect important information and proof.

Financial Markets Authority Act 2011

FMA can ask you for information, papers, or to talk to them

25: FMA may require person to supply information, produce documents, or give evidence

Financial Markets Authority Act 2011

The FMA can collect different types of information to help make decisions

26: Powers of FMA to receive evidence

Financial Markets Authority Act 2011

Ways you can share information with the FMA

27: How evidence may be given

Financial Markets Authority Act 2011

The FMA might pay you if you're a witness, but not too much

28: Witnesses' expenses

Financial Markets Authority Act 2011

FMA can allow searches of places and things to find proof of broken financial rules

29: Power to enter and search place, vehicle, or other thing

Financial Markets Authority Act 2011

Financial Markets Authority Act 2011

The FMA can share information and documents with other agencies that enforce laws or regulate things, including those in other countries.

Financial Markets Authority Act 2011

FMA can share information with other agencies to help everyone do their job better

30: Sharing of information and documents with law enforcement or regulatory agencies and overseas regulators

Financial Markets Authority Act 2011

The ability to help when regulators from other countries ask for assistance

Financial Markets Authority Act 2011

FMA can help overseas regulators by gathering and sharing information

31: Power of FMA to act on requests of overseas regulators

Financial Markets Authority Act 2011

The FMA carefully considers requests from overseas before deciding to help

32: FMA's consideration of requests

Financial Markets Authority Act 2011

Rules about collecting information and making sure people follow the law

Financial Markets Authority Act 2011

Rules for sharing FMA information with other groups

33: Conditions that may be imposed on providing information, documents, or evidence to other agencies or regulators

Financial Markets Authority Act 2011

Financial Markets Authority Act 2011

FMA can take legal action for someone else to protect the public

34: FMA may exercise person’s right of action

Financial Markets Authority Act 2011

Rules for when the FMA can start or take over a legal case for someone else

35: Requirements for FMA exercising person’s right of action

Financial Markets Authority Act 2011

The court can let the FMA take over some legal cases if it's best for everyone

36: High Court may grant leave in certain circumstances

Financial Markets Authority Act 2011

Steps the FMA must follow to take action for someone else

37: Procedural requirements for leave to exercise person’s right of action

Financial Markets Authority Act 2011

Court helps FMA in legal cases about money matters

38: Powers of High Court for proceedings exercising person’s right of action

Financial Markets Authority Act 2011

FMA can act for a group of people with similar concerns in court

39: Representative actions

Financial Markets Authority Act 2011

Financial Markets Authority Act 2011

The ability to keep certain information secret

Financial Markets Authority Act 2011

FMA can keep certain information secret during their work

44: Power to make confidentiality orders

Financial Markets Authority Act 2011

You can share secret information if the FMA says it's okay

45: Publication or disclosure with FMA's consent

Financial Markets Authority Act 2011

The ability to agree on promises with others

Financial Markets Authority Act 2011

FMA can accept written promises from people or companies about their work

46: FMA may accept undertakings

Financial Markets Authority Act 2011

Keeping promises made to the FMA and what happens if you don't

47: Enforcement of undertakings

Financial Markets Authority Act 2011

Asking the High Court for its opinion on a legal matter

Financial Markets Authority Act 2011

FMA can ask the High Court for help with tricky legal questions

48: FMA may state case for opinion of High Court

Financial Markets Authority Act 2011

The ability to make someone show a warning

Financial Markets Authority Act 2011

FMA can make people share its money warnings

49: FMA may require its warning to be disclosed

Financial Markets Authority Act 2011

Financial Markets Authority Act 2011

FMA can let someone gather important facts or papers

Financial Markets Authority Act 2011

FMA can let others collect information for them

52: Power to authorise person to obtain information or documents

Financial Markets Authority Act 2011

Rules for people allowed to get special information for the FMA

53: Requirements for persons authorised to obtain information or documents

Financial Markets Authority Act 2011

People working for the FMA won't get in trouble for doing their job

55: Protection from liability for persons exercising powers

Financial Markets Authority Act 2011

Powers to gather information and protect certain rights

Financial Markets Authority Act 2011

People talking to the FMA have the same rights as in court

56: Witnesses and counsel to have privileges of witnesses and counsel in court

Financial Markets Authority Act 2011

What happens when legal actions are going on while powers are being used

Financial Markets Authority Act 2011

What happens when you challenge the FMA's powers in court

57: Effect of proceedings

Financial Markets Authority Act 2011

Other ways people can break the rules when the FMA is gathering information or making sure the rules are followed

Financial Markets Authority Act 2011

You can get in trouble if you don't cooperate with the Financial Markets Authority

61: Criminal liability for obstructing exercise of powers

Financial Markets Authority Act 2011

Other important rules and details

Financial Markets Authority Act 2011

Rules for sending official notices from the Financial Markets Authority

62: Notices

Financial Markets Authority Act 2011

How to send and receive important legal messages

63: Service of notices

Financial Markets Authority Act 2011

FMA can use its powers from this law and other laws too

64: Powers not limited

Financial Markets Authority Act 2011

FMA people can't share work secrets in court, with some exceptions

65: Limitation on disclosure of information obtained in FMA's operations

Financial Markets Authority Act 2011

Important changes and rules for money matters

Financial Markets Authority Act 2011

Financial Markets Authority Act 2011

People and companies in finance pay money to help run the FMA

68: Levy of financial markets participants and other persons registered or incorporated under Acts referred to in Schedule 1

Financial Markets Authority Act 2011

FMA must talk to people before asking for money

69: FMA must consult about request for appropriation

Financial Markets Authority Act 2011

Financial Markets Authority Act 2011

Words and their meanings in this part of the law

70: Interpretation

Financial Markets Authority Act 2011

Getting rid of a group that watched over money matters

Financial Markets Authority Act 2011

The old Securities Commission has been replaced by a new Financial Markets Authority

71: Securities Commission disestablished

Financial Markets Authority Act 2011

What happens when the Securities Commission is replaced by the Financial Markets Authority

72: Consequences of disestablishment

Financial Markets Authority Act 2011

Replacing 'Commission' with 'FMA' in old documents

73: References to Securities Commission

Financial Markets Authority Act 2011

Rules for employees moving from the Securities Commission to the Financial Markets Authority

74: Transfer of employees

Financial Markets Authority Act 2011

This law explains what happens when the Securities Commission closes and the Financial Markets Authority takes over

75: Effect of Act

Financial Markets Authority Act 2011

The FMA keeps using old records without needing to change names

76: Registers

Financial Markets Authority Act 2011

Getting rid of the job of Government Actuary

Financial Markets Authority Act 2011

What happens when the Government Actuary's office closes

78: Consequences of disestablishment

Financial Markets Authority Act 2011

What to do when you see 'Government Actuary' mentioned in old documents

79: References to Government Actuary

Financial Markets Authority Act 2011

Other important rules and details

Financial Markets Authority Act 2011

Rules about Ministry workers getting new jobs at the Financial Markets Authority

81: Ministry of Economic Development employees

Financial Markets Authority Act 2011

Financial Markets Authority Act 2011

This law changes other laws to keep everything up to date

82: Amendments to other enactments

Financial Markets Authority Act 2011

Changes to laws and rules when the Securities Commission became the Financial Markets Authority

84: Amendments consequential on replacement of Commission by FMA

Financial Markets Authority Act 2011

Changes to laws and rules: replacing 'Government Actuary' with 'FMA'

85: Amendments consequential on replacement of Government Actuary by FMA

Crimes Act 1961

The law decides how long someone might go to jail if they trick people to get money or cause them to lose money.

241: Punishment of obtaining by deception or causing loss by deception

Crimes Act 1961

Lying to trick people into giving money or buying things for a company is against the law.

242: False statement by promoter, etc

Crimes Act 1961

This law explains what happens if you try to hide or use money from illegal activities.

243: Money laundering

Crimes Act 1961

This law explains when money laundering rules apply to things that happen outside New Zealand.

245: Application of section 243 to acts outside New Zealand

Crimes Act 1961

Using a computer to trick or cheat others for personal gain or to cause harm is against the law.

249: Accessing computer system for dishonest purpose

Crimes Act 1961

This law explains what happens if you make, use, or have fake money.

266: Offences involving coinage

Crimes Act 1961

It's against the law to team up with others to stop people from collecting money that the government is allowed to ask for.

309: Conspiring to prevent collection of rates or taxes

Crimes Act 1961

This law explains how tricking people in sports and dog races to change betting results is considered a crime.

240A: Application of section 240 to match-fixing

Sale and Supply of Alcohol Act 2012

What's included in a local alcohol policy

77: Contents of policies

Sale and Supply of Alcohol Act 2012

Keeping people safe when drinking alcohol

Sale and Supply of Alcohol Act 2012

Introduction to the Law

Sale and Supply of Alcohol Act 2012

This part of the law is about making rules for selling and supplying alcohol to help keep our community safe.

3: Purpose

Sale and Supply of Alcohol Act 2012

What words in the alcohol law mean

5: Interpretation

Sale and Supply of Alcohol Act 2012

The law applies to the government too

7: Act binds the Crown

Sale and Supply of Alcohol Act 2012

Sale and Supply of Alcohol Act 2012

Some people are exempt from rules about selling and giving away alcohol.

Sale and Supply of Alcohol Act 2012

Some alcohol sales by makers and sellers are exempt from the law

8: Certain sales by makers, importers, distributors, and wholesalers exempted

Sale and Supply of Alcohol Act 2012

Some alcohol is exempt from the law if it's not meant to be drunk, like perfume or medicine.

9: Exemption for certain alcohol not intended for drinking

Sale and Supply of Alcohol Act 2012

Some special places like navy ships and police canteens don't follow all the alcohol rules, but have their own rules instead.

10: Certain messes and canteens exempted, but codes of practice required instead

Sale and Supply of Alcohol Act 2012

Alcohol sales at international airports have special rules

11: Authorised sales of alcohol at international airports exempted

Sale and Supply of Alcohol Act 2012

Selling alcohol to guests in your home is allowed if you live there and have 10 or fewer guests.

12: Homestays exempted

Sale and Supply of Alcohol Act 2012

There are different kinds of licences that let people sell or supply alcohol in various ways.

Sale and Supply of Alcohol Act 2012

Types of alcohol licences you can get in New Zealand

13: Kinds of licence

Sale and Supply of Alcohol Act 2012

Selling alcohol to drink on the premises

14: On-licences generally

Sale and Supply of Alcohol Act 2012

Rules for restaurants that let customers bring their own alcohol

15: On-licences: BYO restaurants

Sale and Supply of Alcohol Act 2012

Selling alcohol to take away from an off-licence, and rules for free or paid samples

17: Off-licences: sale and supply on licensed premises

Sale and Supply of Alcohol Act 2012

Selling alcohol from a shop and delivering it to someone else

18: Off-licences: sale for delivery and sales at distance

Sale and Supply of Alcohol Act 2012

Alcohol can be delivered straight to off-licences from suppliers with a prior arrangement

19: Off-licences: direct delivery of alcohol, by arrangement with holder, by distributor, importer, manufacturer, or wholesaler

Sale and Supply of Alcohol Act 2012

Auctioneers with a special licence can sell alcohol at auctions.

20: Off-licences: auctioneers

Sale and Supply of Alcohol Act 2012

Selling alcohol to club members on club premises

21: Club licences

Sale and Supply of Alcohol Act 2012

Licences for special events that let you sell alcohol in certain ways.

22: Special licences

Sale and Supply of Alcohol Act 2012

Following some rules doesn't mean you can ignore other rules in the Act

23: Limitation on effect of sections 14 to 22

Sale and Supply of Alcohol Act 2012

You don't have to sell alcohol to everyone, or let them drink on your premises.

24: No obligation to serve

Sale and Supply of Alcohol Act 2012

Getting an extra alcohol licence for a place that already has one

25: Issue of second licence for premises already licensed

Sale and Supply of Alcohol Act 2012

Who is allowed to have a licence to sell alcohol?

Sale and Supply of Alcohol Act 2012

You must follow the rules to get a licence to sell alcohol in New Zealand.

26: Licences not to be held without express authority of this Act

Sale and Supply of Alcohol Act 2012

Only eligible people can get an alcohol licence

27: Licences not to be issued to persons not empowered to hold them

Sale and Supply of Alcohol Act 2012

Who can sell alcohol: people, companies, and groups over 20 years old

28: Who can hold on-licences, off-licences, and special licences

Sale and Supply of Alcohol Act 2012

Clubs have rules about what kind of alcohol licences they can hold.

29: Limitations on holding of on-licences and off-licences by clubs

Sale and Supply of Alcohol Act 2012

Clubs can get a special licence to sell alcohol

30: Who can hold club licences

Sale and Supply of Alcohol Act 2012

There are rules about who can get a licence to sell alcohol from a shop or store.

Sale and Supply of Alcohol Act 2012

What kinds of places can get a licence to sell takeaway alcohol?

32: Kinds of premises for which off-licences may be issued

Sale and Supply of Alcohol Act 2012

Some areas can have off-licences even if they're not normally allowed, if selling alcohol there wouldn't be economic.

34: Exception for certain areas where some licensed premises not economic

Sale and Supply of Alcohol Act 2012

Special licences for restaurants, auctioneers, and caterers that let people bring their own alcohol.

Sale and Supply of Alcohol Act 2012

Rules for restaurants that let customers bring their own alcohol

37: On-licences for BYO restaurants

Sale and Supply of Alcohol Act 2012

Selling alcohol at events: special rules for caterers

38: On-licences for caterers

Sale and Supply of Alcohol Act 2012

Special alcohol licence for people who run auctions

39: Off-licences for auctioneers

Sale and Supply of Alcohol Act 2012

There are rules about when special licences to sell alcohol can be given out.

Sale and Supply of Alcohol Act 2012

No special alcohol licence if a permanent one is better for you.

41: No special licence where permanent licence or variation of permanent licence more appropriate

Sale and Supply of Alcohol Act 2012

Rules for getting a special licence to sell alcohol to drink elsewhere

42: Restrictions on issue of special licences for consumption off-premises

Sale and Supply of Alcohol Act 2012

What times shops and places are allowed to sell alcohol

Sale and Supply of Alcohol Act 2012

Maximum hours to sell or serve alcohol in New Zealand

43: Default national maximum trading hours

Sale and Supply of Alcohol Act 2012

When you can sell alcohol if there's no local alcohol rule

44: Permitted trading hours for premises without relevant local alcohol policy

Sale and Supply of Alcohol Act 2012

When you can sell alcohol depends on your local area's rules and your licence.

45: Permitted trading hours for premises with relevant local alcohol policy

Sale and Supply of Alcohol Act 2012

Rules about when you can buy or sell alcohol

Sale and Supply of Alcohol Act 2012

Alcohol can't be sold outside allowed trading hours, except in some special cases.

46: No sale or supply outside permitted trading hours: all licences

Sale and Supply of Alcohol Act 2012

No alcohol sales on some public holidays and restricted sales on Anzac Day morning.

47: Sale and supply on Anzac Day morning, Good Friday, Easter Sunday, and Christmas Day restricted: on-licences

Sale and Supply of Alcohol Act 2012

Some public holidays have rules about selling alcohol from off-licences.

48: Sale on Anzac Day morning, Good Friday, Easter Sunday, and Christmas Day restricted: off-licences

Sale and Supply of Alcohol Act 2012

Buying alcohol online is allowed at any time, but there are still some delivery rules.

49: Remote sales exempted from trading hours restrictions

Sale and Supply of Alcohol Act 2012

People who sell alcohol in shops, bars, or clubs must follow certain rules.

Sale and Supply of Alcohol Act 2012

Places that sell alcohol must also sell non-alcoholic drinks at fair prices.

51: Non-alcoholic drinks to be available

Sale and Supply of Alcohol Act 2012

Licenced places must sell low-alcohol drinks for people to drink there.

52: Low-alcohol drinks to be available

Sale and Supply of Alcohol Act 2012

Places that sell alcohol must also sell food at fair prices

53: Food to be available

Sale and Supply of Alcohol Act 2012

Get help with finding a safe way home from a place that sells alcohol

54: Help with and information about transport to be available

Sale and Supply of Alcohol Act 2012

People with special licences to sell alcohol must follow certain rules.

Sale and Supply of Alcohol Act 2012

Rules for selling alcohol to take away with a special licence

55: Requirements relating to special licences for consumption off-premises

Sale and Supply of Alcohol Act 2012

There are other rules you must follow when selling or supplying alcohol.

Sale and Supply of Alcohol Act 2012

Alcohol sellers must display signs showing their opening hours at every main entrance.

56: Display of signs: on-licences, off-licences

Sale and Supply of Alcohol Act 2012

Showing your alcohol licence where people can see it

57: Display of licence: all licences

Sale and Supply of Alcohol Act 2012

Rules for buying alcohol from a store without going there

59: Requirements relating to remote sales by holders of off-licences

Sale and Supply of Alcohol Act 2012

Clubs can only sell alcohol to members and their guests.

60: Sale and supply in clubs to members and guests only

Sale and Supply of Alcohol Act 2012

Rules for clubs that sell alcohol, like having a secretary and managing money properly

61: Administrative requirements for club licences

Sale and Supply of Alcohol Act 2012

Clubs that sell alcohol: you can't drink your own.

62: No bring-your-own alcohol in clubs

Sale and Supply of Alcohol Act 2012

Rules that must be followed are imposed as conditions.

Sale and Supply of Alcohol Act 2012

Rules you must follow when selling or supplying alcohol

63: Requirements and restrictions imposed as conditions

Sale and Supply of Alcohol Act 2012

Other rules about alcohol licences

Sale and Supply of Alcohol Act 2012

The government keeps a record book of alcohol licences and certificates

65: Secretary of authority to set up and maintain registers

Sale and Supply of Alcohol Act 2012

A record of all alcohol licence applications and decisions made by the licensing committee.

66: Record of applications

Sale and Supply of Alcohol Act 2012

A certified copy of official records is proof of what it says.

67: Certified extracts to be evidence

Sale and Supply of Alcohol Act 2012

People selling alcohol must give an address where they can get important papers.

68: Licensees and managers to have address for service

Sale and Supply of Alcohol Act 2012

Tell the licensing authority if your alcohol-licensed company's owners or name change

69: Notification of licensing authority by company of changes in company shareholding or name

Sale and Supply of Alcohol Act 2012

Tell the licensing authority if you buy or sell shares in an alcohol-licensed company

70: Notification of licensing authority by beneficial owner of shares of changes in shareholding

Sale and Supply of Alcohol Act 2012

Getting a replacement alcohol licence or certificate if yours is lost or damaged

72: Duplicate licence or certificate

Sale and Supply of Alcohol Act 2012

What happens when you give up your alcohol licence or manager's certificate

73: Surrender of licence or manager's certificate

Sale and Supply of Alcohol Act 2012

Sale and Supply of Alcohol Act 2012

Councils can create rules about alcohol in their area

75: Territorial authorities may have local alcohol policies

Sale and Supply of Alcohol Act 2012

Councils can work together to make one set of alcohol rules for their whole area.

76: Territorial authorities may adopt joint local alcohol policy

Sale and Supply of Alcohol Act 2012

Council must tell the public about its new alcohol rules

80: Territorial authority must give public notice of finalised policy

Sale and Supply of Alcohol Act 2012

When a new local alcohol rule starts 30 days after it's made public

81: When local alcohol policy adopted

Sale and Supply of Alcohol Act 2012

Councils can restart making alcohol rules for their area if they stopped working on them.

83: Territorial authority may recommence development of local alcohol policy

Sale and Supply of Alcohol Act 2012

What a council can do if asked to rethink an alcohol policy rule

84: Actions territorial authority may take if asked to reconsider element of provisional policy

Sale and Supply of Alcohol Act 2012

What happens when a council appeals a High Court decision about alcohol laws?

85: Effect of High Court decisions on appeal by territorial authority

Sale and Supply of Alcohol Act 2012

What happens when a provisional alcohol policy is resubmitted to the licensing authority

86: Effect of resubmission of provisional policy to licensing authority

Sale and Supply of Alcohol Act 2012

When a local alcohol policy is officially approved and put in place.

87: When local alcohol policy adopted

Sale and Supply of Alcohol Act 2012

What happens when a new local alcohol rule starts

90: When local alcohol policy is in force

Sale and Supply of Alcohol Act 2012

Local alcohol rules must follow New Zealand's laws and not contradict them.

94: Local alcohol policies to be consistent with general law

Sale and Supply of Alcohol Act 2012

How councils can cancel their local alcohol rules and make new ones.

96: Revocation of local alcohol policies

Sale and Supply of Alcohol Act 2012

Sale and Supply of Alcohol Act 2012

Which alcohol licences does this law apply to?

98: Licences to which subpart applies

Sale and Supply of Alcohol Act 2012

People need to apply for a licence to sell or supply alcohol.

Sale and Supply of Alcohol Act 2012

Apply for an alcohol licence through your local licensing committee

99: Applications to be made to licensing committee

Sale and Supply of Alcohol Act 2012

How to fill out a licence application form correctly

100: Form of application

Sale and Supply of Alcohol Act 2012

Telling people about your alcohol licence application

101: Notification requirements

Sale and Supply of Alcohol Act 2012

How to object to a liquor licence application

102: Objections to applications

Sale and Supply of Alcohol Act 2012

Police and health officials check alcohol licence applications

103: Police, Medical Officer of Health, and inspector must inquire into applications

Sale and Supply of Alcohol Act 2012

Who gets to decide if you can get a liquor licence?

104: Who decides application for licence

Sale and Supply of Alcohol Act 2012

What the law considers when deciding who can sell alcohol

105: Criteria for issue of licences

Sale and Supply of Alcohol Act 2012

People in charge can refuse a licence application even if no one objected to it.

107: Authority or committee may refuse licence even if application not opposed

Criminal Procedure Act 2011

Getting stolen property back to its rightful owner

377: Restitution of property

Criminal Procedure Act 2011

Paying court fees: what you need to know when you go to court

382: Payment and recovery of fees

Building Societies Act 1965

Keeping track of building groups and their important papers

Building Societies Act 1965

Registrar can ask for changes to documents before adding them to building society records

121C: Registrar may require document to be registrable or otherwise comply before registration

Building Societies Act 1965

How the government saves important building society papers

121D: When documents are registered

Building Societies Act 1965

Registrar can fix or update the list of building societies

121E: Alterations to register

Building Societies Act 1965

Updating rules for groups that help people save and buy homes

Building Societies Act 1965

This law's name and when it started

1: Short Title and commencement

Building Societies Act 1965

People and Rules for Groups that Help You Save Money for a Home

Building Societies Act 1965

Explaining important words used in the Building Societies Act

2: Interpretation

Building Societies Act 1965

Who can help the main Registrar manage building societies

4: Deputy Registrars of Building Societies

Building Societies Act 1965

The rule about building societies having an official seal was removed

5: Official seal

Building Societies Act 1965

Building societies don't need to keep special lists anymore

6: Registers to be kept

Building Societies Act 1965

This rule about looking at society information is no longer used

8: Information as to societies, and inspection of documents kept by Registrars

Building Societies Act 1965

How building societies are set up and run: Rules for starting, joining, and managing money clubs

Building Societies Act 1965

What building societies can do and are allowed to do

Building Societies Act 1965

This part of the law explaining why people could start a building society has been removed

9: Purpose for which building society may be established

Building Societies Act 1965

Building societies can help people with money and property

9A: Functions of building societies

Building Societies Act 1965

Building societies can do many things to help them work, unless their rules say they can't

9B: Powers of building societies

Building Societies Act 1965

Building societies' actions can't be called wrong just because they weren't allowed to do them

9C: Ultra vires transactions

Building Societies Act 1965

Registering or filing society documents doesn't mean everyone knows about them

9D: Registration of documents not to constitute constructive notice

Building Societies Act 1965

Rules for dealing with a building society

9E: Dealings between society and other persons

Building Societies Act 1965

Dealing with a building society is safe, even if someone has been dishonest

9F: Effect of fraud

Building Societies Act 1965

Two types of building societies: ongoing and time-limited

10: Permanent and terminating societies

Building Societies Act 1965

Building societies can get and give back money using shares

11: Power to raise and repay funds

Building Societies Act 1965

Building societies can't do things with land anymore

12: Powers in relation to land

Building Societies Act 1965

How building societies are set up and officially recognised

Building Societies Act 1965

How to start a building society in New Zealand

13: Mode of establishing society

Building Societies Act 1965

Rules for starting a building society must be checked and approved

14: Registration of rules of society

Building Societies Act 1965

A building society becomes a separate legal entity when it's officially registered

15: Incorporation of society

Building Societies Act 1965

You can ask a judge to look at your rules if the Registrar says no

16: Appeal against refusal to register

Building Societies Act 1965

The rules that a building society must follow

Building Societies Act 1965

Rules tell you what a building society must do and how it works

17: Contents of rules

Building Societies Act 1965

Rules of a building society apply to everyone involved and visitors don't need to check if the society follows its own rules

18: Effect of rules

Building Societies Act 1965

How to change the rules of a society

19: Alteration of rules

Building Societies Act 1965

You can ask for and get a copy of a society's rules

20: Copies of rules to be supplied on request

Building Societies Act 1965

What a building society is called

Building Societies Act 1965

Building societies must have unique names to avoid confusion

21: Restriction on registration of names

Building Societies Act 1965

Building societies must use their official registered name or face penalties

22: Society to use registered name

Building Societies Act 1965

How to change the name of your building society

23: Change of name

Building Societies Act 1965

Who can be part of a building society

Building Societies Act 1965

You can join a building society without buying a share

24: Members who are not shareholders

Building Societies Act 1965

Young people can join building societies but have limited rights

25: Members under age of 20

Building Societies Act 1965

Sharing ownership of building society shares with others

26: Joint shareholders

Building Societies Act 1965

Members only owe what they agreed to pay for their share or loan

27: Liability of members

Building Societies Act 1965

This part explaining how to buy shares in certain societies no longer exists

27A: Interpretation

Building Societies Act 1965

This rule about buying shares in building societies no longer exists

27B: Agreements to purchase shares

Building Societies Act 1965

A rule about cancelling share purchases was removed

27C: Right of purchaser to cancel agreement

Building Societies Act 1965

What happens when an agreement to buy shares in a closing building society is cancelled (no longer applies)

27D: Effect of cancellation of agreement

Building Societies Act 1965

This rule about agreements for buying shares in certain societies no longer exists

27E: No contracting out

Building Societies Act 1965

The rule about changing a list of building society rules doesn't exist anymore

27F: Schedule 7 may be amended

Building Societies Act 1965

When a building society can start doing business

Building Societies Act 1965

Building societies can't start working until they get a special permission paper

28: Business not to be commenced before incorporation

Building Societies Act 1965

Founding members must buy shares before the society can start

29: Minimum subscription by founding members

Building Societies Act 1965

When building societies could start advertising (old rule)

30: Commencement of advertising

Building Societies Act 1965

This rule about starting the process of drawing lots for building society money no longer exists

31: Commencement of balloting for appropriations

Building Societies Act 1965

Shares and draws that give extra chances to win

Building Societies Act 1965

Rules for special shares that could win you prizes in a building society

31A: Bonus balloting shares and bonus ballots

Building Societies Act 1965

Joining or moving responsibilities between building societies

Building Societies Act 1965

Building societies can join together to become one society

32: Union of societies

Building Societies Act 1965

How a society can pass on its duties to another society

33: Transfer of engagements

Building Societies Act 1965

Extra rules for societies joining together or passing on their duties

34: Supplementary provisions as to union and transfer of engagements

Building Societies Act 1965

How a building society can sell part of what it does

Building Societies Act 1965

Building societies can sell some of their business, but not all of it

34A: Power to dispose of part of business undertaking

Building Societies Act 1965

Rules about lending money for houses and how to keep things fair and safe

Building Societies Act 1965

Helping people buy homes with mortgages (no longer in use)

35: Advances on security of mortgage of land for residential purposes

Building Societies Act 1965

This rule about money lending in building societies doesn't exist anymore

36: Ordinary limitations on special advances

Building Societies Act 1965

Old rule about extra mortgage money for building societies no longer exists

37: Permission to exceed limit for special advances

Building Societies Act 1965

Building societies can't give extra money to people buying houses with existing loans anymore

38: Permission to make special advance to purchaser of mortgaged property

Building Societies Act 1965

Rules about lending money to people when they use their house as a promise to pay it back

Building Societies Act 1965

This part used to explain who counts as a member, but it was removed

39: Meaning of member for the purposes of this Part

Building Societies Act 1965

Old rules about figuring out the worth of loan guarantees no longer exist

40: Valuation of security

Building Societies Act 1965

Old rule about extra protection for building society loans no longer exists

41: Additional security for advances

Building Societies Act 1965

Old rule about keeping track of money given out by building societies, no longer used

42: Record of advances

Building Societies Act 1965

This old rule about building societies getting security from others no longer exists

43: Security taken from third party

Building Societies Act 1965

This rule about extra money for property sales no longer exists

44: Arrangement for excess advance in connection with sale of property

Building Societies Act 1965

This rule about building societies giving money to property buyers no longer exists

45: Implied warranty on advance to purchaser, unless notice given to the contrary

Building Societies Act 1965

This rule about talking about enough security has been removed

46: Representation as to sufficiency of security

Building Societies Act 1965

Old rules about extra mortgages no longer apply

47: Restrictions on second or subsequent mortgages

Building Societies Act 1965

Old rule about getting money for life insurance from building societies no longer applies

48: Advance for single premium life policy

Building Societies Act 1965

Building societies can now pay for mortgage introductions

49: Restriction on commissions for introduction of mortgage business

Building Societies Act 1965

Rules for selling houses with mortgages (no longer used)

50: Provisions as to sale of mortgaged property

Building Societies Act 1965

Old rule about lending money based on members' shares no longer exists

51: Limitation on advances on security of members' shares

Building Societies Act 1965

Rules for lending money without using land or shares as security no longer exist

51A: Advances on security other than mortgage of land or members' shares, or without security

Building Societies Act 1965

Registrar could ask for expert proof about fair money sharing in building groups

52: Power of Registrar to require actuary's certificate as to appropriations by ballot

Building Societies Act 1965

How to show a mortgage is paid off (old rule, no longer used)

53: Memorandum of discharge of mortgage

Building Societies Act 1965

How societies manage extra money and keep important documents safe

Building Societies Act 1965

Words used in the old rules about building societies' money

54: Interpretation

Building Societies Act 1965

Old rules about how building societies could use extra money are no longer part of the law

55: Investment and banking of surplus funds

Building Societies Act 1965

Old rule about societies holding special money has been removed

55A: Societies to hold certain public securities

Building Societies Act 1965

Rules for building societies on money matters and how they handle people's savings

Building Societies Act 1965

Building societies can no longer borrow money under this rule

56: Borrowing powers

Building Societies Act 1965

Building societies can't have savings accounts anymore

57: Restrictions on savings bank deposits

Building Societies Act 1965

Old rules about special savings accounts for homes and farms no longer apply

57A: Home ownership accounts and farm ownership accounts

Building Societies Act 1965

Rules about interest on savings no longer apply to building societies

58: Interest on deposits

Building Societies Act 1965

This rule about borrowing too much money from building societies no longer exists

59: Liability for borrowing in excess of powers

Building Societies Act 1965

This section about helping other building societies was removed from the law

60: Assistance to other building societies

Building Societies Act 1965

Old rule about sharing money details with new members was removed

61: New investors and depositors to receive copies of accounts

Building Societies Act 1965

People under 20 can no longer use special rules for putting money in building societies

62: Depositor under age of 20

Building Societies Act 1965

Old rule about choosing special building societies for trustees to invest in

63: Designation of societies for investments by trustees

Building Societies Act 1965

Rules about money: How building societies can save, borrow, and help people buy homes

Building Societies Act 1965

Building societies can invest their money in different ways

56A: Investment powers

Freedom Camping Act 2011

Who gets the money from freedom camping fines?

31: Entitlement to infringement fees

Dog Control Act 1996

Getting your dog registration money back if your dog dies or you're struggling financially

39: Refund and reduction of fees

Dog Control Act 1996

Lying when registering a dog can get you a fine of up to $3,000

41: Penalty for false statement relating to application for registration

Evidence Act 2006

Bank staff don't have to show bank records in court if the bank isn't part of the case.

75: Bank officer not compellable to produce banking records

Immigration Advisers Licensing Act 2007

People who might not be allowed to become immigration advisers

16: Persons subject to restriction on being licensed

Land Transport Act 1998

Rules about money collected for roads and transport

270: Fees and charges identified as land transport revenue

Land Transport Act 1998

Money from transport fees goes into a special fund for transport projects

274: Land transport revenue to be paid into national land transport fund

Land Transport Act 1998

Rules for paying for roads and transport services

168: Regulations relating to fees and charges for land transport

Land Transport Act 1998

Rules about putting wheel clamps on parked cars

98D: Immobilising devices applied to parked motor vehicles

Land Transport Act 1998

Money from transport fees goes into a special government bank account

168AA: Land transport revenue to be paid into Crown Bank Account

Land Transport Act 1998

Fees for bringing in cars that make too much pollution

182: Charges payable by category 2 light vehicle importer if emissions targets exceeded

Public Works Act 1981

Money you owe can be taken out of your compensation

91: Costs may be deducted from compensation awarded

Public Works Act 1981

Public Trust can manage and grow money from land sales until it's needed

98: Public Trust may invest compensation money

Public Works Act 1981

How money is handled when mortgaged land is taken for public projects

99: Mortgaged land

Public Works Act 1981

Extra money you might have to pay if you're late paying for irrigation

219: Penalty for late payment

Public Works Act 1981

The government can put a 'hold' on your land if you owe them money for water

221: Charge on land

Auctioneers Act 2013

When the law about auctioneers starts working

2: Commencement

Auctioneers Act 2013

Rules for selling things through competitive bidding

Auctioneers Act 2013

This law explains how auctioneers are registered and what rules they need to follow

3: Purpose of Act

Auctioneers Act 2013

What important words mean in this law about auctions

4: Interpretation

Auctioneers Act 2013

Registered auctioneers can only hire other qualified auctioneers

7: Restriction on who registered auctioneers may engage as auctioneer

Auctioneers Act 2013

What you need to tell us when you want to become an auctioneer

9: Information and material to be included in application

Auctioneers Act 2013

How the Registrar checks and approves your application to become an auctioneer

10: Acceptance of application

Auctioneers Act 2013

Explaining why an application to be an auctioneer was turned down

11: Refusal of application

Auctioneers Act 2013

How long someone can be registered as an auctioneer

Auctioneers Act 2013

Your auctioneer licence runs out after a year unless you renew it

12: Registration expires after 12 months

Auctioneers Act 2013

Auctioneers must confirm their details yearly to stay registered

13: Annual confirmation

Auctioneers Act 2013

How the Registrar can cancel an auctioneer's registration

14: Cancelling registrations

Auctioneers Act 2013

When an auctioneer is no longer allowed to sell things at auctions

15: When registered auctioneer ceases to be registered

Auctioneers Act 2013

Telling the Registrar when important things change for auctioneers

16: Obligation to notify Registrar of changes

Auctioneers Act 2013

Rules about keeping important documents and information

Auctioneers Act 2013

Auctioneers must keep detailed records of sellers, items, and auction details

17: Auctioneer record

Auctioneers Act 2013

Keeping and sharing your auction record

18: Storage and inspection of auctioneer record

Auctioneers Act 2013

Person who keeps a list of official auctioneers

Auctioneers Act 2013

Person in charge of managing auctioneers' registration

19: Registrar of Auctioneers

Auctioneers Act 2013

The Registrar can give you a paper that proves if someone is an auctioneer

20: Registrar's certificate

Auctioneers Act 2013

A list of all registered auctioneers that anyone can look up online

21: Register of auctioneers

Auctioneers Act 2013

What to do if you disagree with the Registrar's decisions

Auctioneers Act 2013

How to disagree with decisions about your auctioneer registration

22: Appeals

Auctioneers Act 2013

The court can temporarily stop an auctioneer's registration from being cancelled

23: Interim order by District Court

Auctioneers Act 2013

Things auctioneers can get in trouble for

Auctioneers Act 2013

Rules to follow if you're an auctioneer to avoid getting in trouble

24: Offences

Auctioneers Act 2013

Rules for people who sell things at auctions

Auctioneers Act 2013

Rules for becoming an auctioneer

25: Regulations

Auctioneers Act 2013

Rules that help switch from old laws to new laws

Auctioneers Act 2013

Rules for existing auctioneers when the new law starts

26: Application of Act to existing licence holders and others

Auctioneers Act 2013

Changes made to other laws because of this one

Auctioneers Act 2013

Changes to the law mean you now need to be registered to run auctions

27: Amendments removing exemption from requirement to be registered

Auctioneers Act 2013

Making changes to other laws because of the new auctioneers law

28: Consequential repeal and amendments

Auctioneers Act 2013

Changes to rules about people who sell things for others at special sales

Schedule : Amendments relating to auctioneers

Employment Relations Act 2000

How money for joining a workers' group can be taken out of your pay if you say it's okay

55: Deduction of union fees

Employment Relations Act 2000

Getting back money you should have been paid for your work

Employment Relations Act 2000

Getting paid the money your employer owes you

131: Arrears

Employment Relations Act 2000

Written requests for money owed

Employment Relations Act 2000

This explains how employers can disagree with a notice asking them to pay money to their workers.

225: Objections to demand notice

Employment Relations Act 2000

This rule explained how pay cuts during small strikes couldn't make your pay less than the lowest amount allowed by law.

95E: Relationship between specified pay deduction and minimum wage

Employment Relations Act 2000

People who helped break work rules might have to pay money owed to workers if the boss can't pay.

142Y: When person involved in breach liable for default in payment of wages or other money due to employee

Employment Relations Act 2000

A reminder notice tells you again about a fine you got and must look just like the first notice.

235DC: Reminder notices

Health and Safety at Work Act 2015

Rules for a special payment to help keep workplaces safe

201: Funding levy

Health and Safety at Work Act 2015

Businesses and individuals cannot use insurance to pay health and safety fines

29: Insurance against fines unlawful

Health and Safety at Work Act 2015

Rules for setting and managing work safety fees

215: Regulations relating to levies

Social Security Act 2018

Help for People Who Need Financial Support

Social Security Act 2018

This law helps people in need by giving money and support

3: Purpose of this Act

Social Security Act 2018

Main ideas for helping people with jobs and money

4: Principles

Social Security Act 2018

This Act explains how to get help from the government and what you need to do

5: Guide to this Act

Social Security Act 2018

Words you don't know are explained in a special section

6: Definitions are in dictionary in Schedule 2

Social Security Act 2018

The Minister can tell MSD how to do its job

7: Minister may give MSD binding directions

Social Security Act 2018

Deciding if someone is single or in a relationship for benefit purposes

8: Determinations person is single or in de facto relationship

Social Security Act 2018

How to understand references to old laws in the new Social Security Act

9: Interpretation: references to old law, and using it as a guide

Social Security Act 2018

Tables comparing old and new laws to help understand changes

10: Comparative tables of old and new provisions

Social Security Act 2018

Special rules for when changes happen to the Social Security Act 2018

11: Transitional, savings, and related provisions

Social Security Act 2018

The government must follow the Social Security Act 2018 just like everyone else

12: Act binds the Crown

Social Security Act 2018

Guides and outlines in the Act are helpful notes, not official rules

13: Status of guides or outlines

Social Security Act 2018

Examples help explain the law but don't change what it actually says

14: Status of examples

Social Security Act 2018

This part explains how MSD can help you with money

15: What this Part does

Social Security Act 2018

Who can get government help based on where they live

16: Residential requirement

Social Security Act 2018

How much money you can get from the government

17: Rates

Social Security Act 2018

You can only get one main benefit or pension at a time

18: General limitation on receiving more than 1 benefit

Social Security Act 2018

No benefit for people living in New Zealand illegally or on temporary visas

19: General limitation on receiving benefit: persons unlawfully resident or present in New Zealand and persons holding temporary entry class visa

Social Security Act 2018

Rules for getting help when you're looking for a job

20: Jobseeker support: requirements

Social Security Act 2018

Age rules for getting jobseeker support

23: Jobseeker support: age requirement

Social Security Act 2018

You can get help if you have no money or very little money

24: Jobseeker support: no or minimum income

Social Security Act 2018

Jobseeker support: extra money for people who are struggling financially

25: Jobseeker support: discretionary grant on ground of hardship

Social Security Act 2018

When you can't get jobseeker support

26: Jobseeker support: ineligibility

Social Security Act 2018

You need a doctor's note to get jobseeker support for health reasons

27: Jobseeker support: on ground of health condition, injury, or disability: application must include certificate

Social Security Act 2018

MSD might ask you to see a doctor if you apply for jobseeker support because of health reasons

28: Jobseeker support: on ground of health condition, injury, or disability: medical examination

Social Security Act 2018

Rules for getting help as a single parent

29: Sole parent support: requirements

Social Security Act 2018

The sole parent requirement is for single parents caring for young children

30: What is sole parent requirement

Social Security Act 2018

When the government might treat you as a child's parent for help purposes

31: When dependent child may be regarded as applicant’s child

Social Security Act 2018

Your support changes from sole parent to jobseeker when your youngest child turns 14

33: Expiry of sole parent support, and replacement with jobseeker support, when youngest dependent child turns 14 years old

Social Security Act 2018

Money for people who can't work much or can't see at all

Social Security Act 2018

Rules for getting money to help if you can't work much or can't see

34: Supported living payment: on ground of restricted work capacity or total blindness: requirements

Social Security Act 2018

You can't get support if you caused your own work problems or blindness on purpose

36: Supported living payment: on ground of restricted work capacity or total blindness: ineligibility

Social Security Act 2018

Medical check-up for people who can't work much or are blind and want financial help

37: Supported living payment: on ground of restricted work capacity or total blindness: medical examination

Social Security Act 2018

Special payment rules for couples when one person is in long-term care

38: Supported living payment: on ground of restricted work capacity or total blindness: payment not apportioned in specified cases

Social Security Act 2018

Helping people with health problems try working while keeping their support payment

39: Supported living payment: on ground of restricted work capacity: encouraging open employment

Social Security Act 2018

Money for people who take care of someone else full-time

Social Security Act 2018

Rules for getting money to care for someone at home full-time

40: Supported living payment: on ground of caring for another person: requirements

Social Security Act 2018

You need a doctor's note to get money for caring for someone full-time

41: Supported living payment: on ground of caring for another person: application must include certificate

Social Security Act 2018

MSD can ask for a medical check when you apply to get paid for caring for someone at home

42: Supported living payment: on ground of caring for another person: medical examination

Social Security Act 2018

Rules for getting money help if you're a young person with no kids

49: Youth payment: requirements

Social Security Act 2018

When you're ready to start studying or training full-time

50: When person is study ready

Social Security Act 2018

Youth payment helps young people with little or no money

51: Youth payment: no or minimum income

Social Security Act 2018

When you can't get money from your parents or guardians

52: When person has parental support gap

Social Security Act 2018

Extra help for young people in tough times

53: Youth payment: discretionary grant on ground of hardship

Social Security Act 2018

Youth payment can continue for a short time after you turn 18

54: Youth payment: continuation after turning 18 years old

Social Security Act 2018

Extra money for young people who follow special rules

55: Youth payment: incentive payments

Social Security Act 2018

Rules for getting money as a young parent

56: Young parent payment: requirements

Social Security Act 2018

Young parents can get money help even if they earn a little bit

58: Young parent payment: no or minimum income

Social Security Act 2018

When you don't have parents or guardians to support you with money

59: When person has parental support gap

Social Security Act 2018

Young parents in hardship might get help even if they don't live in New Zealand

60: Young parent payment: discretionary grant on ground of hardship

Social Security Act 2018

Young parents can keep getting payments after turning 20 in some cases

61: Young parent payment: continuation after turning 20 years old

Social Security Act 2018

Extra money for young parents who follow certain rules

62: Young parent payment: incentive payments

Social Security Act 2018

Help for people who can't earn enough money

63: Emergency benefit: discretionary grant on ground of hardship

Social Security Act 2018

Extra money during a big sickness in New Zealand

64: Emergency benefit: grant during epidemic in New Zealand

Social Security Act 2018

MSD can give you money to help with housing costs if you qualify

65: Accommodation supplement: discretionary grant

Social Security Act 2018

You can't get extra money for housing if you live in certain government or community homes

66: Social housing exclusion

Social Security Act 2018

Reasons you can't get extra money for housing costs

67: Other funding exclusion

Social Security Act 2018

Special rules for couples sharing a home with others when getting housing cost help

68: Accommodation supplement: special rules for joint tenants who are in relationship

Social Security Act 2018

When the government can say no or change your housing cost help

69: Accommodation supplement: refusal, reduction, or cancellation of grant in certain circumstances

Social Security Act 2018

The government helps some people pay for childcare

76: Childcare assistance: purpose

Social Security Act 2018

Rules for getting help with childcare costs

77: Childcare assistance: eligibility

Social Security Act 2018

Allowance for children with serious disabilities who live at home or in special care

78: Child disability allowance: discretionary grant

Social Security Act 2018

MSD may ask for a doctor's note when you apply for money to help with your child's disability

80: Child disability allowance: MSD may require medical certificate

Social Security Act 2018

The government might ask your child to see a doctor before giving you money to help with their disability

81: Child disability allowance: MSD may require medical examination

Social Security Act 2018

How the government pays money to help with a child who has a disability

82: Child disability allowance: payment

Social Security Act 2018

Child disability allowance can't be paid with most other benefits or pensions

83: Child disability allowance: not payable with other assistance or pension

Social Security Act 2018

Extra money for disability costs if you need it

85: Disability allowance: discretionary grant

Social Security Act 2018

Expenses not covered by disability allowance for people in care homes

86: Disability allowance: excluded expenses

Social Security Act 2018

MSD can change or stop your disability allowance if you get similar help elsewhere

87: Disability allowance: refusal, reduction, or cancellation of grant in certain circumstances

Social Security Act 2018

You might need to see a special doctor before getting disability money

88: Disability allowance: medical examination

Social Security Act 2018

Extra money for couples when one partner is in hospital or care

89: Special disability allowance: entitlement in special circumstances

Social Security Act 2018

Rules for getting help with funeral costs when someone dies

90: Funeral grant: general eligibility and definitions

Social Security Act 2018

Temporary extra money to help with basic costs when you're struggling

95: Temporary additional support: purpose

Social Security Act 2018

Rules for getting extra money when you're short on cash

96: Temporary additional support: requirements

Social Security Act 2018

You might get less or no extra money if you or your partner do certain things

97: Temporary additional support: refusal, reduction, or cancellation of grant in certain circumstances

Social Security Act 2018

This part explains important words used in the rules about extra money help

98: Interpretation

Social Security Act 2018

This rule about special help notices no longer exists

102: Special assistance: status of, and access to, notices

Social Security Act 2018

Money help for 18-year-olds still in school

103: Provisions relating to children aged 18 years or over who continue education

Social Security Act 2018

A quick overview of what you need to know

Social Security Act 2018

This part explains the duties of MSD and people who get benefits

104: What this Part does

Social Security Act 2018

Making sure people know what they need to do

Social Security Act 2018

MSD must clearly explain your responsibilities and rights when you get social support

106: MSD must make people affected aware of their obligations, consequences of non-compliance, and their review and appeal rights

Social Security Act 2018

MSD must tell you how leaving New Zealand affects your benefit

107: MSD must explain rules relating to absence from New Zealand

Social Security Act 2018

Ways to help people follow rules about pensions from other countries

Social Security Act 2018

MSD helps you with overseas pensions

108: MSD must assist in relation to obtaining overseas pension, etc

Social Security Act 2018

Rules that people getting money from the government must follow

Social Security Act 2018

Rules for people getting benefits: what you need to do

109: Outline of beneficiary’s general and specific obligations

Social Security Act 2018

Rules you must follow when getting benefit money

110: When obligations apply

Social Security Act 2018

You need to have a bank account and tell us about it

Social Security Act 2018

You need a bank account for your benefit and must tell MSD about it

111: Beneficiary must hold, and give MSD details of, bank account

Social Security Act 2018

You need to give your tax number when asked

Social Security Act 2018

You need to give MSD your tax number when you ask for or get help with money

112: Beneficiary must supply tax file number

Social Security Act 2018

You must tell us if something important in your life changes

Social Security Act 2018

You must tell MSD about changes in your life that might affect your benefit

113: Beneficiary must notify change of circumstances

Social Security Act 2018

Tell someone if you're going to leave New Zealand

Social Security Act 2018

You must tell MSD before you leave New Zealand if you get most types of benefits

114: Obligation to notify absence from New Zealand

Social Security Act 2018

You might lose money if you miss a work ability test without a good reason

119: Person who fails to comply with requirement to undergo work ability assessment is subject to sanction

Social Security Act 2018

Getting ready for work while receiving benefits

120: Work-preparation obligations

Social Security Act 2018

Work preparation tasks for some people getting supported living payments

123: Persons subject to work-preparation obligations if sufficient capacity to comply

Social Security Act 2018

You may be punished if you don't do your work-preparation tasks without a good reason

126: Person who fails to comply with work-preparation obligation subject to sanction

Contract and Commercial Law Act 2017

Modernising and simplifying business and trade rules

Contract and Commercial Law Act 2017

Getting Ready: Important Rules Before We Start

Contract and Commercial Law Act 2017

Why we have this law and what it covers

3: Purpose

Contract and Commercial Law Act 2017

This law explains different types of agreements and business matters in simple terms

5: Overview of this Act

Contract and Commercial Law Act 2017

Rules for switching to the new law and keeping important old rules

6: Transitional, savings, and related provisions

Contract and Commercial Law Act 2017

Explaining important words used in this part of the law

9: Interpretation

Contract and Commercial Law Act 2017

Contract and Commercial Law Act 2017

This part explains how you can benefit from promises made in legal documents even if you didn't sign them

10: Purpose

Contract and Commercial Law Act 2017

Explaining special words used in this part of the law

11: Interpretation

Contract and Commercial Law Act 2017

Promises made in contracts can help people who didn't sign them

12: Deed or contract for benefit of person who is not party to deed or contract

Contract and Commercial Law Act 2017

Section 12 doesn't work if the contract wasn't meant to give someone special rights

13: Section 12 does not apply if no intention to create obligation enforceable by beneficiary

Contract and Commercial Law Act 2017

You might need permission to change or cancel a promise made to someone else

14: Variation or discharge of promise may require beneficiary’s consent

Contract and Commercial Law Act 2017

Changing or ending promises: when everyone agrees or when it's allowed

15: Variation or discharge by agreement or in accordance with express provision

Contract and Commercial Law Act 2017

Court can allow changes or cancellations to promises or duties

16: Court may authorise variation or discharge

Contract and Commercial Law Act 2017

How you can make someone keep a promise they made about you in a contract

17: Enforcement by beneficiary

Contract and Commercial Law Act 2017

The person being sued can defend themselves just like they would against the original person they made a promise to

18: Availability of defences

Contract and Commercial Law Act 2017

This part of New Zealand law doesn't apply to agreements made using other countries' rules

19: This subpart does not apply to promises, contracts, or deeds governed by foreign law

Contract and Commercial Law Act 2017

This law keeps other rules about contracts and doesn't change them

20: Savings

Contract and Commercial Law Act 2017

Contract and Commercial Law Act 2017

This part explains how courts can help fix mistakes in contracts

21: Purpose of this subpart

Contract and Commercial Law Act 2017

This section sets new rules for contract mistakes

22: This subpart to be code

Contract and Commercial Law Act 2017

What words mean and how we use them in this part of the law

23: Interpretation

Contract and Commercial Law Act 2017

Courts can help if you made a mistake when agreeing to a contract

24: Relief may be granted if mistake by one party is known to another party or is common or mutual

Contract and Commercial Law Act 2017

A mistake in understanding a contract's meaning is not the same as other contract mistakes

25: Mistake does not include mistake in interpretation of contract

Contract and Commercial Law Act 2017

You can't claim a mistake if you knew about it before signing the contract

26: Decision to enter into contract not influenced by mistake if party aware of it

Contract and Commercial Law Act 2017

When you make a mistake in a contract, the court looks at how much it was your fault

27: Mistake caused by party seeking relief

Contract and Commercial Law Act 2017

Court can help people connected to someone in a contract

29: Court may grant relief to person claiming through or under party

Contract and Commercial Law Act 2017

This law protects innocent buyers when someone else made a mistake

31: Rights of third persons not affected

Contract and Commercial Law Act 2017

Rules for foreign contracts don't follow this part of NZ law

32: This subpart does not apply to contracts governed by foreign law

Contract and Commercial Law Act 2017

Contract and Commercial Law Act 2017

What it means to cancel a contract

33: Meaning of cancel

Contract and Commercial Law Act 2017

A contract's own rules for fixing problems come first

34: Remedy provided in contract

Contract and Commercial Law Act 2017

What happens if someone lies or misleads you in a contract

Contract and Commercial Law Act 2017

When someone lies to you about a deal, you can get money back

35: Damages for misrepresentation

Contract and Commercial Law Act 2017

Rules about ending or stopping a contract

Contract and Commercial Law Act 2017

You can end a deal if someone else shows they won't do their part

36: Party may cancel contract if another party repudiates it

Contract and Commercial Law Act 2017

You can stop a deal if someone fooled you or breaks the rules

37: Party may cancel contract if induced to enter into it by misrepresentation or if term is or will be breached

Contract and Commercial Law Act 2017

You can't change your mind about a contract once you've said it's okay

38: No cancellation if contract is affirmed

Contract and Commercial Law Act 2017

Court decides if you can cancel a contract when someone else misbehaves

39: Parties with substantially same interest

Contract and Commercial Law Act 2017

New rules replace old ones for cancelling contracts

40: Sections 36 to 39 have effect in place of rules of common law and of equity

Contract and Commercial Law Act 2017

Cancelling a contract: When it starts to count

41: When cancellation may take effect

Contract and Commercial Law Act 2017

What happens when you cancel a contract

42: Effect of cancellation

Contract and Commercial Law Act 2017

How a court can help when there's a problem with a contract

Contract and Commercial Law Act 2017

The court can make things fair when someone ends a contract

43: Power of court to grant relief

Contract and Commercial Law Act 2017

Things the court thinks about when making decisions about contracts

45: Matters court must have regard to

Contract and Commercial Law Act 2017

Protecting honest buyers who pay fair prices for property

46: Protection of purchaser of property in good faith and for valuable consideration

Contract and Commercial Law Act 2017

If you change things after a contract, the court might not be able to help you

47: Party who has altered position

Contract and Commercial Law Act 2017

Who can ask for help with contract problems

48: Persons who may apply

Contract and Commercial Law Act 2017

When someone breaks a contract, you can ask for money to make things fair

49: Recovery of damages

Contract and Commercial Law Act 2017

Rules that try to stop courts from looking into things

Contract and Commercial Law Act 2017

What someone says or promises before making a deal can still matter

50: Statement, promise, or undertaking during negotiations

Contract and Commercial Law Act 2017

Courts can check if someone had permission to make promises for others, even if a contract says they can't

51: Authority for making or giving statement, promise, or undertaking

Contract and Commercial Law Act 2017

Rules to protect you when buying things

52: Contracts for sale of goods

Contract and Commercial Law Act 2017

The Disputes Tribunal can still use its special powers when you take a case to them

53: Proceeding before Disputes Tribunal

Contract and Commercial Law Act 2017

People who take over someone else's contract rights

Contract and Commercial Law Act 2017

What happens when someone gives you their contract rights and duties

54: Remedies enforceable by or against assignee

Contract and Commercial Law Act 2017

You can't be charged more than what you'd get from a contract someone gave you

55: Damages may not exceed value of performance of assigned contract

Contract and Commercial Law Act 2017

The person giving you a contract must pay for mistakes they made or information they didn't share

56: Assignee indemnified by assignor

Contract and Commercial Law Act 2017

Rules to know when you take over someone else's contract

57: Other provisions relating to assignees

Contract and Commercial Law Act 2017

Extra rules that don't fit into the main groups

Contract and Commercial Law Act 2017

Rules for foreign contracts don't follow this part of NZ law

58: This subpart does not apply to contracts governed by foreign law

Contract and Commercial Law Act 2017

This part keeps important contract rules the same as before

59: Savings

Contract and Commercial Law Act 2017

Contract and Commercial Law Act 2017

This part explains when you don't have to follow a contract anymore because it's too hard or impossible

60: Application

Contract and Commercial Law Act 2017

Money that is paid or will be paid

Contract and Commercial Law Act 2017

You can get back money you already paid and don't have to pay money you owed when a contract ends

61: Money paid may be recovered and money payable ceases to be payable

Contract and Commercial Law Act 2017

Court can let you keep or get back money you spent on an unfinished job

62: Court may allow party who has incurred expenses to retain or recover money

Contract and Commercial Law Act 2017

Things that are good and useful besides money

Contract and Commercial Law Act 2017

You might have to pay back money if you got something valuable from an agreement that ended early

63: Sum may be recovered if party has obtained valuable benefit

Contract and Commercial Law Act 2017

Court can treat a benefit given to someone else as if it was given to you

64: Benefit may be treated as being obtained

Contract and Commercial Law Act 2017

Money spent on contracts

Contract and Commercial Law Act 2017

Courts can count extra costs when deciding how much money was spent on a contract

65: Estimates of expenses

Contract and Commercial Law Act 2017

Rules about insurance agreements

Contract and Commercial Law Act 2017

Insurance money and frustrated contracts: When it counts and when it doesn't

66: Money payable under contract of insurance

Contract and Commercial Law Act 2017

More rules about how this law works

Contract and Commercial Law Act 2017

The court must follow special rules in your contract when things go wrong

67: Court must give effect to provision in contract

Contract and Commercial Law Act 2017

Court can split contracts into finished and unfinished parts when something goes wrong

68: Court must treat performed part of contract that can be properly severed as separate contract

Contract and Commercial Law Act 2017

Sometimes this part of the law doesn't count for certain agreements

69: This subpart does not apply in certain circumstances

Contract and Commercial Law Act 2017

Contract and Commercial Law Act 2017

Words used in this law and what they mean

70: Interpretation

Contract and Commercial Law Act 2017

What makes a contract illegal?

71: Illegal contract defined

Contract and Commercial Law Act 2017

Contracts stay legal even if they break rules, unless the rules say otherwise

72: Breach of enactment

Contract and Commercial Law Act 2017

A contract that breaks the law doesn't work.

Contract and Commercial Law Act 2017

Contracts that break the law don't count and can't be used

73: Illegal contracts have no effect

Contract and Commercial Law Act 2017

Protection for innocent people who receive property from illegal contracts

74: Protection of persons who acquire property in good faith and without notice

Contract and Commercial Law Act 2017

The court can give help

Contract and Commercial Law Act 2017

The court can help you if you're in a tricky situation with an illegal contract

75: Who may be granted relief

Contract and Commercial Law Act 2017

The court can help make things fair when there's a problem with a contract

76: Court may grant relief

Contract and Commercial Law Act 2017

The court can add rules when it helps someone in a contract

77: Order may be subject to terms and conditions

Contract and Commercial Law Act 2017

Court can't help if it's not good for everyone

79: Court must not grant relief if not in public interest

Contract and Commercial Law Act 2017

Who can ask the court for help with a contract

81: Persons who may apply

Contract and Commercial Law Act 2017

Rules about agreements that limit competition in business

Contract and Commercial Law Act 2017

Courts can change or remove unfair rules in contracts

83: Restraints of trade

Contract and Commercial Law Act 2017

Rules for special contracts that limit your actions or court options stay the same

84: Law relating to restraint of trade and to ouster of jurisdiction not affected

Contract and Commercial Law Act 2017

Contract and Commercial Law Act 2017

Explaining important words used in this part of the law

85: Interpretation

Contract and Commercial Law Act 2017

Rules about when young people can make agreements

Contract and Commercial Law Act 2017

Contracts don't work against kids, but still count for grown-ups

86: Contracts unenforceable against minors but otherwise have effect

Contract and Commercial Law Act 2017

Court can check if contracts with minors are fair

87: Court may inquire into fairness and reasonableness of contract

Contract and Commercial Law Act 2017

Courts can make decisions about fair contracts with young people

88: Court orders where contract was fair and reasonable

Legislation Act 2019

The Governor-General can allow the Inland Revenue Department to create tax laws.

68: Power to authorise IRD to draft Inland Revenue Bills

Legislation Act 2019

What happens when a law is cancelled and not confirmed on time?

125: Usual effect of revocation if not confirmed by deadline

Residential Tenancies Act 1986

How the money from selling a tenant's left-behind things is used and how the landlord can get back what they're owed

62C: Application of proceeds of sale and recovery of amount owing

Residential Tenancies Act 1986

You can ask for money from your sold stuff within a year if your landlord sold it after you left

62D: Tenant may claim proceeds of sale

Residential Tenancies Act 1986

If you pay a small bond for your boarding house room, the landlord must give you a receipt and return your money when you leave, unless you owe them something.

66D: Bond of 1 week’s rent or less

Residential Tenancies Act 1986

The landlord pays for shared costs, while you pay for what you use in your own room.

66E: Outgoings

Residential Tenancies Act 1986

How to ask for your bond money back when the other person doesn't agree

22A: Applications to chief executive for payment of bond without agreement of other party

Residential Tenancies Act 1986

The government can try to give back money that was kept safe for renters if no one claims it after a long time.

22D: Chief executive may take steps to refund bonds

Residential Tenancies Act 1986

The government can share your address to give back your rental bond money if they can't find you.

22E: MSD may disclose address information for bond refund purposes

Residential Tenancies Act 1986

The landlord can only ask for a bond that's equal to 4 weeks' rent or less.

18: Bonds to be no more than 4 weeks' rent

Residential Tenancies Act 1986

When a landlord receives money for a bond, they must give a receipt and send the money to the government quickly.

19: Duties of landlord on receipt of bond

Residential Tenancies Act 1986

The boss of the rental office must safely keep the money you give as a bond and tell you and your landlord about it.

20: Duties of chief executive in relation to bonds

Residential Tenancies Act 1986

If the landlord agrees, you can pay your rental bond directly to the government instead of to the landlord.

21: Tenant may pay bond direct to chief executive with landlord's consent

Residential Tenancies Act 1986

Telling the government when your name or address changes for your rental bond

21A: Notification of changes of address to chief executive

Residential Tenancies Act 1986

When both the landlord and tenant agree, they can ask for the bond money to be paid out

22: Agreed applications to chief executive for payment of bond

Residential Tenancies Act 1986

Landlords can only ask for up to two weeks' rent ahead of time and can't make you pay before your current rent is used up.

23: Rent in advance

Residential Tenancies Act 1986

Rules for landlords when they want to make the rent higher for people renting their houses

24: Rent increases

Residential Tenancies Act 1986

Landlords must give renters a proper receipt when they pay rent

29: Receipts for rent

Residential Tenancies Act 1986

Explains how rent is calculated daily and divided up when a tenancy ends

31: Apportionment of rent

Residential Tenancies Act 1986

Landlords can't make tenants pay extra money or higher rent if they break the rules

32: Accelerated rent or damages prohibited

Residential Tenancies Act 1986

The landlord pays for general costs, while the tenant pays for things they use themselves.

39: Responsibility for outgoings

Residential Tenancies Act 1986

A special bank account for holding money related to renting homes

Residential Tenancies Act 1986

A special bank account that holds money from tenants' bonds and other rental payments

127: Residential Tenancies Trust Account

Residential Tenancies Act 1986

The government's top money-checker looks after the special bank account for rented homes.

128: Auditor-General to be auditor of Residential Tenancies Trust Account

Residential Tenancies Act 1986

This law explains how you should give money to the government when you're told to.

134A: Method of payment

Residential Tenancies Act 1986

Rules for people who help others find places to live or stay

139: Regulations relating to accommodation brokers

Residential Tenancies Act 1986

Rules for including rent increase details in fixed-term tenancy agreements

Schedule 1: Clauses for rent increases in fixed-term tenancy agreements

Residential Tenancies Act 1986

The landlord gets the money if the tenant accidentally damages the property, not the insurance company.

49C: Landlord, not insurer, to benefit from tenant liability for careless damage

Residential Tenancies Act 1986

Landlords must tell you how much the rent is when they advertise a place for you to live in.

22F: Landlord must state amount of rent when advertising residential premises

Residential Tenancies Act 1986

The landlord can get money back from the tenant for costs related to changing who lives in the house.

44A: Recovery of expenses incurred by landlord

Residential Tenancies Act 1986

The owner must let you get fast internet in your rented home if it's possible and doesn't cost them anything, unless there's a good reason not to.

45B: Landlord must permit and facilitate installation of fibre connection in certain circumstances

Residential Tenancies Act 1986

List of fines and fees for breaking tenancy rules

Schedule 1B: Fines and fees for infringement offences

Fair Trading Act 1986

Rules for charity fund-raisers about sharing information when asking for money

28A: Regulations relating to disclosure by fund-raisers making requests for charitable purposes

Fair Trading Act 1986

Why the law helps regulators from other countries

48B: Purpose of sections 48C to 48O (which relate to assistance to overseas regulators)

Fair Trading Act 1986

Explaining important words used in the Fair Trading Act about working with other countries

48C: Definitions of terms used in sections 48B to 48O

Fair Trading Act 1986

Rules about sharing information that was forced from someone with other countries

48D: Restrictions on providing compulsorily acquired information and investigative assistance

Fair Trading Act 1986

The Commission can share certain information with overseas regulators

48M: Sharing of non-compulsorily acquired information not affected

Fair Trading Act 1986

This law makes sure trading is fair for everyone in New Zealand

1A: Purpose

Fair Trading Act 1986

Sellers can't trick buyers by pretending to bid on their own items at auctions

14A: When vendor bids are misrepresentations

Fair Trading Act 1986

The Minister can make, change, or cancel rules to help keep products safe

30A: Product safety policy statements

Fair Trading Act 1986

The government checks if safety rules for products are still good every five years

30B: Review of product safety policy statements

Fair Trading Act 1986

When companies choose to take back unsafe products, they must tell the government quickly

31A: Voluntary product recall

Fair Trading Act 1986

People who check if products are safe

Fair Trading Act 1986

Rules for choosing people to check if things are safe to use

33A: Appointment of product safety officers

Fair Trading Act 1986

Proof of job for product safety officers

33B: Certificates of appointment

Fair Trading Act 1986

Product safety officers can check places for unsafe goods

33C: Powers of product safety officers

Fair Trading Act 1986

Stopping the sale of possibly dangerous goods to keep people safe

33D: Suspension of supply notices

Fair Trading Act 1986

How to ask for help if someone breaks the rules in trading

43A: Application for order under section 43

Fair Trading Act 1986

Rules for which courts can make orders based on how much money is involved

43B: Limits on jurisdiction of District Court and Disputes Tribunal to make orders under section 43

Fair Trading Act 1986

The government can agree to promises people make about following the rules

46A: Commission may accept undertakings

Fair Trading Act 1986

How the Commerce Commission can make you keep your promises

46B: Enforcement of undertakings

Fair Trading Act 1986

Commission can give staff permission to check and enforce rules about product safety and information

47K: Commission may authorise employees for monitoring and enforcement purposes

Fair Trading Act 1986

What employees can do to check if shops are following the rules

47L: Powers of authorised employees

Fair Trading Act 1986

Rules for taking legal action about money-related products and services

48P: Proceedings relating to financial products or financial services

Fair Trading Act 1986

You can't be fined twice for the same mistake with money stuff

48Q: No pecuniary penalty and fine for same conduct involving financial products or financial services

Fair Trading Act 1986

The rule about proving claims doesn't apply to special financial papers

48R: Unsubstantiated representations prohibition does not apply to financial markets disclosure

Fair Trading Act 1986

Some actions allowed by financial market rules don't break fair trading rules

48S: Certain conduct under Financial Markets Conduct Act 2013 does not contravene various provisions of this Act

Fair Trading Act 1986

Rules in this law apply no matter what, even if you make a different agreement

5C: No contracting out: general rule

Fair Trading Act 1986

Trading businesses can agree to different rules if it's fair

5D: No contracting out: exception for parties in trade

Fair Trading Act 1986

Statements made without good reasons to back them up

Fair Trading Act 1986

Don't make claims about things you're selling without proof

12A: Unsubstantiated representations

Fair Trading Act 1986

The court considers all the details when someone makes a claim without proof

12B: Court must have regard to certain matters

Fair Trading Act 1986

Only the Commerce Commission can take legal action for claims made without proof

12C: Limitation on commencement of proceedings in relation to unsubstantiated representations

Fair Trading Act 1986

What happens if you get stuff you didn't ask for in the mail

21A: Liability of recipient of unsolicited goods

Fair Trading Act 1986

You don't have to pay for services you didn't ask for

21B: Liability of recipient of unsolicited services

Fair Trading Act 1986

You don't have to pay for things you didn't ask for

21C: Prohibition on asserting right to payment in respect of unsolicited goods or unsolicited services

Fair Trading Act 1986

Rules for unsolicited goods and services made by the Governor-General

21D: Regulations

Fair Trading Act 1986

Businesses selling online must tell you they're a business

28B: Disclosure of trader status on Internet

Fair Trading Act 1986

Rules for buying and selling: How to be fair when shopping or running a business

Fair Trading Act 1986

This part explains the rules for different ways of buying things

36A: Purpose of Part

Fair Trading Act 1986

What a layby sale is and how it works

36B: Meaning of layby sale agreement

Fair Trading Act 1986

Rules for sellers when making a layby sale agreement

36C: Disclosure requirements relating to layby sale agreement

Fair Trading Act 1986

You can ask the seller for more details about your layby sale agreement, and they must provide it for free

36D: Further disclosure if requested by consumer

Fair Trading Act 1986

When you buy something in parts, the shop looks after it until you finish paying

36E: Risk in goods

Fair Trading Act 1986

You can cancel a layby sale before taking the items home

36F: Cancellation of layby sale agreement by consumer

Fair Trading Act 1986

When a shop can stop your layby agreement

36G: Cancellation of layby sale agreement by supplier

Fair Trading Act 1986

What happens when you end a layby agreement

36H: Effect of cancellation of layby sale agreement

Fair Trading Act 1986

What happens to your layby purchase if the shop goes broke?

36I: Bankruptcy, receivership, liquidation, or voluntary administration of supplier: completion of layby sale agreement

Fair Trading Act 1986

What happens if a store goes out of business before you finish paying for something?

36J: Bankruptcy, receivership, or liquidation of supplier: consumer priority

Fair Trading Act 1986

What it means when a business tries to sell you things without you asking

36K: Meaning of uninvited direct sale agreement

Fair Trading Act 1986

Rules for sellers when they make unexpected sales to you

36L: Disclosure requirements relating to uninvited direct sale agreements

Fair Trading Act 1986

You can cancel a sale if someone comes to your house to sell you something

36M: Cancellation of uninvited direct sale agreement by consumer

Fair Trading Act 1986

Rules for sellers who come to your home or work without invitation

36N: Enforcement of uninvited direct sale agreement by supplier

Fair Trading Act 1986

What happens when you cancel a door-to-door sale agreement

36O: Effect of cancellation of uninvited direct sale agreement

Fair Trading Act 1986

What sellers must do when you cancel a door-to-door sale

36P: Supplier's obligations on cancellation of uninvited direct sale agreement

Fair Trading Act 1986

What you need to do when you cancel a sale from a door-to-door salesperson

36Q: Consumer's obligations on cancellation of uninvited direct sale agreement

Fair Trading Act 1986

Money rules when you cancel a surprise door-to-door sale

36R: Compensation on cancellation of uninvited direct sale agreement

Fair Trading Act 1986

Rules about financial products and when they don't have to follow all the usual rules

36S: Regulations

Fair Trading Act 1986

What is an extended warranty and who can offer it when you buy something?

36T: Meaning of extended warranty agreement and related definitions

Fair Trading Act 1986

Rules for sellers when offering extended warranties

36U: Disclosure requirements relating to extended warranty agreements

Fair Trading Act 1986

How to cancel an extended warranty and get your money back

36V: Cancellation of extended warranty agreement

Fair Trading Act 1986

Rules about extended warranties can be made by the Governor-General

36W: Regulations

Fair Trading Act 1986

What some important words mean in this part of the law about buying and selling

36X: Definitions

Fair Trading Act 1986

Each piece of property sold at an auction is its own separate deal

36Z: Each lot is separate contract of sale

Fair Trading Act 1986

How an auction starts and finishes, and what happens after

36ZA: Start and end of auction

Fair Trading Act 1986

Rules for joining an auction must be clearly shown to everyone taking part

36ZB: Notice to participants

Fair Trading Act 1986

Rules for buying things at auctions from businesses

36ZC: Vendors selling in trade

Fair Trading Act 1986

Rules about sellers bidding on their own items at auctions

36ZD: Vendor bids

Fair Trading Act 1986

You can take back your bid before an auction finishes

36ZE: Bids may be withdrawn until end of auction

Fair Trading Act 1986

Auctioneers must give you your money and a sale report within a set time

36ZF: Account and payment of proceeds

Fair Trading Act 1986

What are infringement offences and how much do they cost?

40B: Infringement offence, etc, defined

Fair Trading Act 1986

The government can give you a written warning if they think you broke the rules

40D: Issue of infringement notice

Fair Trading Act 1986

Rules for giving you a notice if you break a Fair Trading rule

40E: Procedural requirements for infringement notices

Fair Trading Act 1986

The Commerce Commission gives money from fines to the government

40F: What Commission does with infringement fees

Fair Trading Act 1986

An infringement notice protects you from getting a criminal record

40G: Effect of infringement notice

Fair Trading Act 1986

Words in a deal that aren't fair

Fair Trading Act 1986

Rules to stop businesses from using unfair terms in their contracts with customers

26A: Unfair contract terms in standard form consumer contracts

Fair Trading Act 1986

Saying which parts of a contract are not fair

Fair Trading Act 1986

The Commerce Commission can ask a court to decide if a contract term is unfair

46H: Application by Commission for declaration of unfair contract term

Fair Trading Act 1986

Courts can decide if some contract terms are not fair for customers or small businesses

46I: Declaration of unfair contract terms

Fair Trading Act 1986

Rules about contracts that are mostly written by one side

46J: Standard form contracts

Fair Trading Act 1986

Rules about which contract terms can't be called unfair

46K: Terms that may not be declared to be unfair contract terms

Fair Trading Act 1986

When a contract term is not fair to one side

46L: When term in consumer contract or small trade contract is unfair

Fair Trading Act 1986

List of ways a contract can be unfair to one person

46M: Examples of unfair contract terms

Fair Trading Act 1986

Rules for fair and honest trading to protect everyone

Fair Trading Act 1986

This explains the name of the law and when it started working

1: Short Title and commencement

Fair Trading Act 1986

Understanding important words and phrases used in the Fair Trading Act

2: Interpretation

Fair Trading Act 1986

New Zealand's fair trading rules apply even when you're overseas

3: Application of Act to conduct outside New Zealand

Fair Trading Act 1986

You can't get in trouble under this law if you didn't break other money rules, but this rule doesn't exist anymore

5A: No liability under Act if not liable under Securities Act 1978 or Securities Markets Act 1988

Fair Trading Act 1986

The Fair Trading Act doesn't cover company buying and selling rules

5B: Act does not apply to certain conduct regulated by Takeovers Code

Fair Trading Act 1986

Commission's job is to help people understand buying and selling rules

6: Functions of Commission in relation to dissemination of information

Fair Trading Act 1986

The government no longer sets aside money for this law in the same way

7: Money to be appropriated by Parliament for purposes of this Act

Fair Trading Act 1986

The rule about yearly reports was removed from the law in 2005

8: Annual report

Fair Trading Act 1986

Rules about being fair and honest when selling things or making deals

Fair Trading Act 1986

Tricking or fooling people is not allowed.

Fair Trading Act 1986

Businesses must be honest and not trick people

9: Misleading and deceptive conduct generally

Fair Trading Act 1986

You must be honest when selling things

10: Misleading conduct in relation to goods

Fair Trading Act 1986

Businesses must be honest about their services

11: Misleading conduct in relation to services

Fair Trading Act 1986

Be honest about jobs and don't trick people looking for work

12: Misleading conduct in relation to employment

Fair Trading Act 1986

Lying or misleading people

Fair Trading Act 1986

No lying or tricking when buying or selling things

13: False or misleading representations

Fair Trading Act 1986

Telling lies or tricking people when buying or selling land is not allowed

14: False representations and other misleading conduct in relation to land

Accident Compensation Act 2001

What counts as money you earn from your job

9: Earnings as an employee: what it means

Accident Compensation Act 2001

Money your spouse pays you for work: when it counts as earnings

10: Earnings as an employee: payments to spouse or partner

Accident Compensation Act 2001

Things not counted as your earnings when you're an employee

11: Earnings as an employee: what it does not include

Accident Compensation Act 2001

How money is counted when you work for yourself

14: Earnings as a self-employed person

Accident Compensation Act 2001

How the law calculates money you make as an owner-worker in a company

15: Earnings as a shareholder-employee

Accident Compensation Act 2001

Explaining who counts as a spouse in accident compensation cases

18: Spouse (and spouse in relation to deceased claimant)

Accident Compensation Act 2001

When your injury from medical care is officially recognised

38: Date on which person is to be regarded as suffering treatment injury

Accident Compensation Act 2001

ACC gives you benefits according to this law

68: Corporation provides entitlements in accordance with this Act

Accident Compensation Act 2001

The types of help you can get if you're hurt in an accident

69: Entitlements provided under this Act

Accident Compensation Act 2001

Rules for who can decide if you need urgent accident treatment

74: Limits on treatment providers in decisions on acute treatment

Accident Compensation Act 2001

First week injury pay counts as regular pay for some legal purposes

99: First week compensation is salary or wages for certain purposes

Accident Compensation Act 2001

Money you get each week when you can't work because of an injury

Accident Compensation Act 2001

The Corporation might pay you extra money if they're late giving you your weekly payments

114: Payment of interest when Corporation makes late payment of weekly compensation

Accident Compensation Act 2001

Updating payment amounts for different types of ACC compensation

116: Indexation of lump sum compensation, funeral grant, survivor's grant, and child care payments

Accident Compensation Act 2001

You can't get help if you killed the person you're meant to get help for

120: Disentitlement for conviction for murder

Accident Compensation Act 2001

ACC pays money owed to you to your family after you die

126: Corporation to pay amount to claimant's estate

Accident Compensation Act 2001

Getting compensation payments when you're hurt and outside New Zealand

127: Payment of weekly compensation and lump sum compensation to claimant outside New Zealand

Accident Compensation Act 2001

How ACC handles money: Rules for collecting fees and managing funds

Accident Compensation Act 2001

Where the money comes from and goes to for work injuries

167: Application and source of funds

Accident Compensation Act 2001

Employers must pay special money to help with work accidents

168: Employers to pay levies

Accident Compensation Act 2001

How much money you pay for work accident insurance

169: Rates of levies

Accident Compensation Act 2001

How ACC groups jobs to set work accident insurance costs

170: Classification of industries or risks

Accident Compensation Act 2001

No Work Account levy on wages above a set limit

172: Work Account levy not payable on earnings of employee over specified maximum

Accident Compensation Act 2001

Self-employed people don't pay extra levy on money earned above a set limit

172A: Work Account levy not payable on earnings of self-employed person over specified maximum

Accident Compensation Act 2001

The government guesses how much you might owe for workplace accidents

173: Estimation of levy

Accident Compensation Act 2001

What happens when your workplace is checked or if you don't let it be checked

180: Effect of audit or refusal to allow audit

Accident Compensation Act 2001

Special deals between employers and ACC about paying for worker injuries

184: Accreditation agreements

Accident Compensation Act 2001

This rule about how much money to collect for old claims is no longer part of the law

194: Rate of levy

Accident Compensation Act 2001

Self-employed people no longer have to pay special fees for accident cover

202: Self-employed persons to pay levies

Accident Compensation Act 2001

How the ACC and self-employed people agree on weekly payments after an injury

209: Procedure for reaching agreement

Accident Compensation Act 2001

Self-employed people who buy extra protection still need to pay the regular earner levy

212: Earner levies for self-employed persons who purchase weekly compensation

Accident Compensation Act 2001

This section explains where the money for motor vehicle accident help comes from and how it's used

213: Application and source of funds

Accident Compensation Act 2001

How much you pay for car and petrol fees

214: Rate of levies

Accident Compensation Act 2001

Different charges for different types of vehicles and owners

216: Levy categories

Accident Compensation Act 2001

How you pay for car and motorbike safety

217: Collection of levies

Accident Compensation Act 2001

How money is collected and used for non-work injuries

218: Application and source of funds

Accident Compensation Act 2001

Money taken from your pay to help with accident costs

221: Collection of levies by deduction from employee earnings

Accident Compensation Act 2001

Money for people who buy weekly payments from ACC if they get hurt and can't work

224: Compensation for persons who purchase weekly compensation

Accident Compensation Act 2001

Where the money comes from and what it's used for when you get hurt during medical care

228: Application and source of funds

Accident Compensation Act 2001

Rules for paying levies when you earn money as both an employee and self-employed person

231: Mixed earnings as employee and self-employed person

Accident Compensation Act 2001

You can pay your levy in smaller parts over time, with possible extra costs

234: Levies may be collected by instalments

Accident Compensation Act 2001

ACC can fix mistakes in their decisions about how much you pay

237: Corporation may revise decisions

Accident Compensation Act 2001

You must pay a levy even if you disagree with it and ask for it to be checked

238: Effect of review or appeal about levy

Accident Compensation Act 2001

ACC decides how to group people to figure out their payments

240: Determinations

Accident Compensation Act 2001

ACC needs you to tell them how much money you make or will make

241: Statements

Accident Compensation Act 2001

When you don't have to pay a small levy amount

244: Amounts of levy exempt from payment

Accident Compensation Act 2001

ACC can ask for information to figure out how much money people owe

246: Information available to Corporation

Accident Compensation Act 2001

Changing when your money year ends and telling the Corporation about it

247: Change of balance date

Accident Compensation Act 2001

ACC can get back money they shouldn't have given you or that you owe them

248: Recovery of debts by Corporation

Accident Compensation Act 2001

ACC pays back extra money if you get both social security benefits and ACC payments

252: Relationship with social security benefits: reimbursement by Corporation

Accident Compensation Act 2001

Rules for when ACC pays you money by mistake and you also qualify for a benefit

253: Relationship with social security benefits: reimbursement to Corporation

Accident Compensation Act 2001

The Accident Compensation Corporation (ACC) will give you back money if you pay them too much

255: Refunds payable by Corporation

Accident Compensation Act 2001

How ACC handles your payments and where they go

256: Application of payments

Accident Compensation Act 2001

How ACC handles and invests extra money

275: Investments

Accident Compensation Act 2001

ACC can borrow money and make financial promises, but must follow rules

276: Power to borrow, etc

Accident Compensation Act 2001

ACC must create yearly money reports

278: Annual financial statements

Accident Compensation Act 2001

ACC can share information about people getting weekly payments to help with benefit checks and repayments

281: Disclosure of information by Corporation for benefit and benefit debt recovery purposes

Accident Compensation Act 2001

ACC and insurers must work together to help you if you get hurt again

295: Obligation to provide entitlements where subsequent injury occurs

Accident Compensation Act 2001

Minister must consider everyone's needs when making decisions

300: Public interest

Accident Compensation Act 2001

Agreement between ministers for ACC to pay for hospital and health services

301: Service agreement for purchase of public health acute services and other health services

Accident Compensation Act 2001

How people can buy things together

Accident Compensation Act 2001

No extra tax on fines or penalties from ACC

311: Goods and services tax not payable on penalties or fines

Accident Compensation Act 2001

Breaking the rules about taking money from people's pay can get you in big trouble

316: Offences in relation to deductions

Accident Compensation Act 2001

Rules for giving out lump sum payments for injuries

326: Regulations relating to lump sum compensation

Accident Compensation Act 2001

Rules for adjusting payments to match changes in living costs

327: Regulations relating to indexation

Accident Compensation Act 2001

Rules for setting and paying accident compensation fees

329: Regulations relating to levies

Accident Compensation Act 2001

Rules about sharing and collecting information for accident compensation

332: Regulations relating to information

Accident Compensation Act 2001

Rules for how accident compensation works

333: General power to make regulations

Accident Compensation Act 2001

Changes to tax laws needed because of this new law

338: Consequential tax amendments

Accident Compensation Act 2001

Old law parts still work for some things

343: Saving in respect of other ongoing matters under 1998 Act

Accident Compensation Act 2001

Money for first week off work due to accidents before April 2002

362: First week compensation for incapacity commencing before 1 April 2002

Accident Compensation Act 2001

Extra money for late weekly payments

371: Interest on late payments of weekly compensation

Accident Compensation Act 2001

Rules for getting lump sum payments from old accident laws

380: Lump sum compensation under former Acts

Accident Compensation Act 2001

Money for families when someone died from an injury before April 2002

382: Survivor's grant to surviving spouses or partners, children, and other dependants for death before 1 April 2002

Accident Compensation Act 2001

Money for children and families when someone died before 2002

385: Compensation payable to children and other dependants under 1972 and 1982 Acts

Accident Compensation Act 2001

Adjusting old accident payments for changes in the cost of living

388: Indexation of certain entitlements payable under former Acts

Accident Compensation Act 2001

Old rules for accident insurance payments from before 2002

393: Levies, premiums, and other payments under former Acts

Accident Compensation Act 2001

Rules for taking money from workers' pay to cover accident insurance

Schedule 4: Deductions on account of earner levies

Accident Compensation Act 2001

Changes to tax rules because of the new accident law

Schedule 7: Consequential tax amendments

Accident Compensation Act 2001

Rules for keeping ACC's money fair and steady

166A: Principles of financial responsibility in relation to Accounts

Accident Compensation Act 2001

Changes to the rules about paying for work accidents

336A: Repeal of and amendments to provisions relating to residual levies for Work Account

Accident Compensation Act 2001

Changes to rules about old car fees for the Motor Vehicle Account

336B: Repeal of and amendments to provisions relating to residual levies for Motor Vehicle Account

Partnership Law Act 2019

Splitting money or stuff you earn doesn't always mean you're partners

13: Sharing gross returns

Partnership Law Act 2019

Getting money from a business doesn't always make you a partner

15: Where receiving profits or payments does not make person partner or liable as partner

Partnership Law Act 2019

What happens when someone who borrowed money or bought a business can't pay their debts

16: What happens if borrower or buyer is insolvent

Partnership Law Act 2019

Partners may be responsible for mistakes made by other partners in their business

23: Liability of firm for partner’s wrongful acts or omissions

Partnership Law Act 2019

Partners must handle other people's money and things carefully

24: Misapplication of money or property received for or in custody of firm

Partnership Law Act 2019

You might have to pay if you pretend to be a business partner

27: Person liable if they represent themselves as partner

Partnership Law Act 2019

Partners can change their rights and duties if everyone agrees

35: Partners’ rights and duties may be varied by consent

Partnership Law Act 2019

Partners can be fined for not following the rules about money reports

63: Financial reporting offences

Partnership Law Act 2019

If your partnership already reports finances under another law, you don't need to do it again

65: Duties do not apply if alternative financial reporting duties under Financial Markets Conduct Act 2013

Partnership Law Act 2019

Different ways a partnership can end: after a set time, when a project finishes, or when a partner says they want to stop

66: Partnership dissolved at end of term, by end of venture or undertaking, or by notice

Partnership Law Act 2019

What happens to your share when you leave or die in a business partnership

79: Right of outgoing partner or partner’s estate to share profits or obtain interest

Partnership Law Act 2019

Special COVID-19 debt rules for businesses have ended

34A: COVID-19 business debt hibernation may apply

Public Service Act 2020

Rules about getting and keeping a government job

Schedule 8: Employment provisions

Privacy Act 2020

Agency's decision to give you access to your information

45: Decision to grant access to personal information

Privacy Act 2020

Deciding if a privacy breach is serious enough to report

113: Assessment of likelihood of serious harm being caused by privacy breach

Privacy Act 2020

When and how agencies can charge for accessing or correcting your personal information

66: Charges

Privacy Act 2020

Rules for retirement plans and superannuation for the Commissioner and Deputy Commissioner

16: Superannuation or retiring allowances

Privacy Act 2020

How you can get compensation if someone interferes with your privacy

103: Damages

Racing Industry Act 2020

Racing Industry Act 2020

Making racing better and fairer for everyone

Racing Industry Act 2020

When different parts of the Racing Industry Act 2020 start working

2: Commencement

Racing Industry Act 2020

This law explains what the Racing Industry Act 2020 aims to achieve

3: Purposes

Racing Industry Act 2020

This law explains how racing works in New Zealand and who's in charge

4: Outline

Racing Industry Act 2020

This part explains what important words mean in the Racing Industry Act 2020

5: Interpretation

Racing Industry Act 2020

Rules for changing from the old racing system to the new one

7: Transitional, savings, and related provisions

Racing Industry Act 2020

Getting Started: Important Words and Rules for Horse Racing

Racing Industry Act 2020

Different types of racing

Racing Industry Act 2020

Racing groups must write a yearly plan about what they will do

16: Racing codes must prepare statement of intent

Racing Industry Act 2020

Racing groups have to make and share a yearly plan about their activities

17: Racing codes must prepare business plan

Racing Industry Act 2020

Racing groups must share money from TAB NZ with their racing clubs

19: Racing codes must distribute funds received from TAB NZ to racing clubs

Racing Industry Act 2020

Rules about racing clubs

Racing Industry Act 2020

Members can't make money from racing club property

20: No pecuniary interest in club property

Racing Industry Act 2020

You need permission to change or sell your racing club's land

21: Restriction on dealing with racing venue

Racing Industry Act 2020

Special rule for land with racing venues must be written on official records

22: Restriction on dealing must be recorded on record of title

Racing Industry Act 2020

Racing Industry Act 2020

This part explains important words used in the racing law

23: Interpretation

Racing Industry Act 2020

Moving things from one place to another

Racing Industry Act 2020

Club's leftover money and property goes to bigger racing group when club shuts down

24: Transfer of assets on dissolution of club

Racing Industry Act 2020

Racing clubs can share their stuff when they join together

25: Transfer of assets if racing clubs combine

Racing Industry Act 2020

Moving extra race tracks to new owners

Racing Industry Act 2020

Racing clubs can give away extra racecourses to their racing group

26: Transfer of surplus venue by agreement

Racing Industry Act 2020

The Governor-General can step in to move unused racetracks to new owners when people can't agree

27: Transfer of surplus venues by Order in Council

Racing Industry Act 2020

Special rules make it easier to transfer a racing venue when it's no longer needed

32: Effect of transfer of surplus venue

Racing Industry Act 2020

Racing Industry Act 2020

Rules for how racing works

Racing Industry Act 2020

Rules that control how races are run and what everyone involved must do

37: Racing rules

Racing Industry Act 2020

Racing clubs must talk to others before changing their rules

38: Amendment of racing rules

Racing Industry Act 2020

Racing rules must be shared and are like a contract for everyone in racing

39: Availability and status of racing rules

Racing Industry Act 2020

Rules about who can enter racecourses during races

40: Rules controlling or prohibiting admission to racecourses

Racing Industry Act 2020

Racing rules must follow New Zealand laws

41: Rules must not conflict with any Act or general law

Racing Industry Act 2020

A group that makes sure racing is fair and follows the rules

Racing Industry Act 2020

A new group is formed to keep racing fair and honest

42: Racing Integrity Board established

Racing Industry Act 2020

The Racing Integrity Board aims to set and enforce good rules for everyone in racing

43: Objectives of Board

Racing Industry Act 2020

How the Racing Integrity Board is chosen and what its members do

45: Board members

Racing Industry Act 2020

How the Racing Integrity Board gets money to do its job

46: Funding of Board

Racing Industry Act 2020

The racing board makes a yearly plan to show what it will do

47: Board must prepare statement of intent

Racing Industry Act 2020

The Racing Board makes a plan each year about what they'll do

48: Board must prepare business plan

Racing Industry Act 2020

Rules for racing decision-makers are in Schedule 2

50: Further provisions relating to adjudicative committees and appeals tribunals

Racing Industry Act 2020

People who check if racing rules are being followed

Racing Industry Act 2020

The racing boss can pick people to check if betting places follow the rules

51: Chief executive may appoint inspectors

Racing Industry Act 2020

Inspectors can check racing places without paying and ask for information

52: Powers of inspector

Racing Industry Act 2020

You can be punished for getting in the way of an inspector doing their job

53: Obstructing inspector

Racing Industry Act 2020

Racing Industry Act 2020

Rules for horse and dog races, and how to run racing clubs and racecourses

Racing Industry Act 2020

The law creates a new racing organisation called TAB New Zealand

54: TAB New Zealand established

Racing Industry Act 2020

TAB NZ is run by a group of people chosen by the Minister

55: Governing body of TAB NZ

Racing Industry Act 2020

TAB NZ's main jobs: help people bet and make money to support racing and sports

57: Objectives of TAB NZ

Racing Industry Act 2020

TAB NZ's jobs: planning races, managing betting, and helping the racing industry

58: Functions of TAB NZ

Racing Industry Act 2020

TAB NZ must create and check its money records each year

59: Accounts and audit

Racing Industry Act 2020

TAB NZ must have a check-up every five years to see if it's doing a good job

60: Performance and efficiency audit

Racing Industry Act 2020

TAB NZ must be careful with its money and spend wisely

61: TAB NZ must operate in financially responsible manner

Racing Industry Act 2020

TAB NZ writes a yearly plan about its goals and shares it with important people

62: TAB NZ must prepare statement of intent

Racing Industry Act 2020

TAB NZ makes a yearly plan and talks to racing groups about it

63: TAB NZ must prepare business plan

Racing Industry Act 2020

TAB NZ must write a yearly report about their activities and share it with important people

64: Annual report

Racing Industry Act 2020

TAB NZ can save extra money in special accounts for future use

65: TAB NZ may maintain reserves

Racing Industry Act 2020

The list of races that will happen

Racing Industry Act 2020

Planning races and deciding when and where they happen

66: Setting of racing calendar and allocation of racing dates

Racing Industry Act 2020

The dates committee can change racing schedules if TAB NZ and racing codes can't agree

67: Change of racing dates, allocations, or conditions

Racing Industry Act 2020

Rules about who can run betting games

Racing Industry Act 2020

TAB NZ gives racing clubs permission to hold betting races

68: Issue of betting licences

Racing Industry Act 2020

Changes to racing dates or rules mean betting licences might need to change too

69: Amendment or revocation of betting licence

Racing Industry Act 2020

No betting licenses for races on some special days and holidays

70: Betting licence must not be issued for certain days

Racing Industry Act 2020

How TAB NZ shares its extra money and money made from betting

Racing Industry Act 2020

TAB NZ gives agreed-upon money to racing groups each year

72: Distribution to codes

Racing Industry Act 2020

Rules for sharing out money from betting

73: Regulations relating to distribution from betting profits

Racing Industry Act 2020

Rules for the betting company: how it's set up, what it does, and how it shares money from bets

Racing Industry Act 2020

TAB NZ can run different kinds of betting on races and sports

74: TAB NZ may conduct betting

Racing Industry Act 2020

Racing clubs can run a special type of betting if they follow the rules

75: Racing clubs may conduct equalisator betting

Racing Industry Act 2020

Places where you can bet on horse races

Racing Industry Act 2020

Rules for how TAB NZ manages betting on races

76: Racing betting rules

Racing Industry Act 2020

How TAB NZ spends the money it gets from horse racing bets

77: Application of revenue from racing betting

Racing Industry Act 2020

Places where you can bet on sports and races

Racing Industry Act 2020

Rules for betting on sports

78: Sports betting rules

Racing Industry Act 2020

TAB NZ needs permission from sports groups to run betting on their events

79: Agreements with New Zealand national sporting organisations

Racing Industry Act 2020

TAB NZ can make deals with Sport NZ to allow betting on sports without official NZ groups

80: Agreements with Sport and Recreation New Zealand

Racing Industry Act 2020

TAB NZ can use its current offices and tools for sports betting, or set up new ones

81: Use of facilities

Racing Industry Act 2020

How TAB uses money from sports betting

82: Application of revenue from sports betting

Racing Industry Act 2020

Different kinds of betting on races or sports

Racing Industry Act 2020

TAB NZ can make rules about other betting, but they need approval and must follow guidelines

83: Rules relating to other racing or sports betting conducted by TAB NZ

Racing Industry Act 2020

Basic rules and information about betting and TAB places

Racing Industry Act 2020

How TAB NZ takes a small part of your bet money for horse races and sports events

84: Deductions for totalisator betting

Racing Industry Act 2020

TAB NZ must share new betting rules with the government and put them online for everyone to see

85: Availability of betting rules

Racing Industry Act 2020

Rules for how much money you can win when betting on races

86: Amounts of dividends

Racing Industry Act 2020

Rules for using TAB NZ's betting systems for special games

87: Use of betting systems for gaming purposes

Racing Industry Act 2020

TAB NZ can mix betting money with other countries to make bigger prizes

88: Amalgamation with overseas betting systems

Racing Industry Act 2020

It's illegal for under-18s to bet or for others to help them bet

89: Offences relating to underage betting

Racing Industry Act 2020

You must show proof of your age when asked by certain people

90: Power to require particulars

Racing Industry Act 2020

You can take legal action if someone doesn't pay up on a fair bet

91: Betting contracts enforceable

Racing Industry Act 2020

TAB NZ or racing clubs can choose not to accept your bet

92: Bets may be refused

Racing Industry Act 2020

Racing Industry Act 2020

Getting permission from the local council to open a new betting place

93: When territorial authority consent is required

Racing Industry Act 2020

Asking your local council for permission to open a TAB venue

94: Application for territorial authority consent

Racing Industry Act 2020

How councils decide if a new betting shop can open

95: Considering and determining application for territorial authority consent

Racing Industry Act 2020

Councils must make rules about betting shops in their area

96: Territorial authority must adopt TAB venue policy

Racing Industry Act 2020

Rules for making and updating betting shop policies

97: Adoption and review of TAB venue policy

Racing Industry Act 2020

Rules about how TAB NZ works

Racing Industry Act 2020

Rules to help keep people safe when betting on races and sports

98: Regulations relating to harm prevention and minimisation

Racing Industry Act 2020

Rules about who can and can't go into TAB betting places

99: Regulations relating to admission to and exclusion from TAB venues

Civil Aviation Act 2023

Breaking rules about paying aviation levies can lead to fines or prison

422: Offences in relation to levy orders

Civil Aviation Act 2023

Airline rules: contracts can't override your rights

278: Contracting out

Customer and Product Data Act 2025

Protection for sharing customer information when you think you're following the law

91: Defence for providing data in compliance or purported compliance with this Act

Customer and Product Data Act 2025

Making data more useful and accessible while promoting safety and innovation

Customer and Product Data Bill

Explaining the bill's parts and what they mean

Customer and Product Data Bill

A simple explanation of how this law wants to make it easier for you to control and share your information

Customer and Product Data Bill

Documents explaining the main ideas behind the bill

Customer and Product Data Bill

Understanding the Big Picture: The Main Ideas Behind the Rules

Customer and Product Data Act 2025

What this law is called

1: Title

Customer and Product Data Act 2025

When this law begins to apply to everyone

2: Commencement

Customer and Product Data Act 2025

This law helps you and businesses use data safely to improve services and products

3: Purpose

Customer and Product Data Act 2025

This part explains important words used in the law

5: Interpretation

Customer and Product Data Bill

The government must follow this law too

13: Act binds the Crown

Customer and Product Data Act 2025

Getting Started: What This Law Means and How It Works

Customer and Product Data Act 2025

Rules for sharing and protecting your information

Customer and Product Data Act 2025

Rules for managing information and making decisions about data sharing

Customer and Product Data Act 2025

Customer and Product Data Bill

Rules about getting permission to use information

Customer and Product Data Act 2025

You don't have to agree to data sharing to get a product

42: Authorisation must not be required as condition of providing product

Customer and Product Data Bill

Rules about who can ask for special information

Customer and Product Data Act 2025

Explaining how to allow someone to use your information

37: Giving authorisation

Customer and Product Data Act 2025

Keeping Your Information Safe and Under Your Control

Customer and Product Data Act 2025

Checking who you are when you ask for information

45: Verification of identity of person who makes request

Customer and Product Data Act 2025

Companies must keep track of how they share people's information

46: Data holder must keep records about regulated data service

Customer and Product Data Bill

Rules about how companies handle your information and products

Customer and Product Data Act 2025

Rules for making the Customer and Product Data Act 2025 work

131: General regulations

Customer and Product Data Bill

Companies must create and follow rules about customer and product information

47: Data holders and accredited requestors must have customer data, product data, and action performance policies

Customer and Product Data Act 2025

This law explains how companies must handle your personal and product information when you or someone you trust asks for it

4: Overview

Customer and Product Data Act 2025

Who is in charge of keeping important customer and product information

6: Data holder

Customer and Product Data Act 2025

What the law means by customers and their information

8: Customer, customer data, and designated customer data

Customer and Product Data Act 2025

What products are and what information about them is important

9: Product, product data, and designated product data

Customer and Product Data Act 2025

Rules that explain how to follow the Customer and Product Data Act 2025

138: Standards

Customer and Product Data Act 2025

Customer and Product Data Bill

Rules about how companies handle your personal information

Customer and Product Data Act 2025

Give your info if you say it's okay and the asker is allowed

15: Data holder must provide customer data to accredited requestor if customer’s authorisation is confirmed

Customer and Product Data Bill

Rules about sharing information about products

Customer and Product Data Bill

Companies must have a computer system ready to handle data requests

27: Data holder must operate electronic system for providing regulated data services

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Data holder must follow verified customer requests from approved requestors

19: Data holder must perform certain actions on accredited requestor’s request if customer’s authorisation is confirmed

Customer and Product Data Act 2025

Companies must share specific product info if you ask nicely through a special system

22: Data holder must provide product data to any person

Customer and Product Data Act 2025

Rules and consequences for breaking the data law

Customer and Product Data Act 2025

Companies must check if you've allowed them to share your information before they do it

39: Authorisation must be confirmed

Customer and Product Data Bill

Keeping important information safe and organized

Customer and Product Data Act 2025

Businesses must let customers complain if they're unhappy with how their data is used

48: Data holders and accredited requestors must have customer complaints process

Customer and Product Data Act 2025

The boss decides if someone can use customer information

112: Decision by chief executive

Customer and Product Data Act 2025

Only you, your helper, or a special approved person can ask for your customer data

43: Only customer, secondary user, or accredited requestor may request regulated data service

Customer and Product Data Act 2025

Breaking the rules of an exemption is the same as breaking the original law

142: Effect of breach of term or condition of exemption

Customer and Product Data Act 2025

Rules about what information can be shared and who can use it

107: Contents of designation regulations

Customer and Product Data Bill

People who use information after it has been shared

Customer and Product Data Bill

What is a regulated data service and why is it important?

10: Regulated data service

Customer and Product Data Bill

Rules for how things should be done

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Customer and Product Data Act 2025

When the boss can stop someone from asking for customer info

118: When chief executive may suspend or cancel accreditation

Customer and Product Data Act 2025

Rules for keeping and sharing customer and product information

32: Requirements for data holders in regulations or standards

Customer and Product Data Bill

Rules for managing important details

Customer and Product Data Act 2025

Rules about asking for, giving, and sharing information

Customer and Product Data Bill

Rules about when the law doesn't apply to someone

Customer and Product Data Bill

This part explains the basic ideas and rules of the law.

Customer and Product Data Bill

Words and phrases are explained to help understand the law.

Customer and Product Data Bill

This section explains what happens during changes and how things are kept safe.

Customer and Product Data Bill

This law applies to the government too.

Customer and Product Data Bill

Explains where this law applies

Customer and Product Data Act 2025

Where the law applies and who it affects

11: Territorial application of Act

Customer and Product Data Bill

How to tell someone if you're worried about your information

Customer and Product Data Bill

Rules that help keep your personal information safe

Customer and Product Data Act 2025

You can check and change who sees your information

40: Customer or secondary user must be able to control authorisation

Customer and Product Data Act 2025

Rules about paying fees and charges to the government

134: Miscellaneous provisions relating to fees and charges

Customer and Product Data Act 2025

How to ask for permission to handle customer info

109: How application is made

Customer and Product Data Act 2025

How long your permission to ask for data lasts

116: Duration of accreditation

Customer and Product Data Bill

Approved companies must tell the government what they did with people's information each year

113: Annual reporting by accredited requestors

Customer and Product Data Act 2025

How permission to use your information can stop

38: Ending authorisation

Customer and Product Data Act 2025

Companies with data must follow rules when sharing or using it

31: Data holders must comply with requirements for requests, providing services, and making information available

Customer and Product Data Bill

A computer system that uses electricity to work with information

Customer and Product Data Bill

Rules about asking for data in the right way

Customer and Product Data Act 2025

Rules for sharing information when you have a joint bank account or loan

21: How data holders and accredited requestors must deal with joint customers

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Someone with special permission to ask for information

7: Accredited requestor

Customer and Product Data Act 2025

The government keeps a list of everyone involved in sharing customer and product data

121: Register of participants in customer and product data system

Customer and Product Data Act 2025

The register helps you find out who can ask for and share customer data

122: Purposes of register

Customer and Product Data Act 2025

What's in the public list of companies that handle your information

126: Contents of register that is publicly available

Customer and Product Data Act 2025

You could be fined for not giving requested information or documents

57: Offence for failing to comply with notice to supply information or produce documents

Customer and Product Data Act 2025

Rules about paying for services under this law

133: Regulations relating to fees and charges

Customer and Product Data Bill

What this part of the law is about and why it's important

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Customer and Product Data Act 2025

You can't make deals to avoid following this law

143: No contracting out

Customer and Product Data Act 2025

Rules for companies dealing with people who can act for you when it comes to your data

24: How data holders and accredited requestors must deal with secondary users

Customer and Product Data Act 2025

Customer and Product Data Act 2025

You must follow special rules to fix problems if you break this law

58: Data holder or accredited requestor must take prescribed steps to avoid, mitigate, or remedy loss or damage caused by contravention

Customer and Product Data Act 2025

This law doesn't stop you from getting other kinds of help if someone breaks the rules

60: Other remedies or powers not limited

Customer and Product Data Act 2025

Requestors must keep customer data records for 5 years

47: Accredited requestor must keep records about regulated data service

Customer and Product Data Act 2025

Breaking rules about giving you your information is like messing with your privacy

51: Access request not IPP 6 request but contravention is interference with privacy

Customer and Product Data Act 2025

Breaking rules about storing or protecting personal info is like breaking a privacy rule

52: Certain contraventions relating to storage and security treated as breaching information privacy principle 5

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Companies must do certain things you ask them to do with your information

18: Data holder must perform certain actions on customer’s request

Customer and Product Data Act 2025

Customer and Product Data Act 2025

Different ways you can be punished if you break the rules

69: Civil liability remedies available under this subpart

Customer and Product Data Act 2025

The biggest fine you might have to pay if you break important data sharing rules

71: Maximum penalty (Tier 1)

Fast-track Approvals Act 2024

How the government gets paid back for their work

106: Methods of cost recovery

About this project

What is this project?

This project is an experiment to take difficult language, and make it easier to read and understand for everyone.

How do we do this?

What's our process for taking the law and turning it into plain language?

Why is the law written like it is?

Laws are often hard to read. They use a lot of words and language we don't usually use when we talk.

Should we use AI for this?

What are the good and bad sides of using AI?

Is this information the actual law?

We hope that this information will help people understand New Zealand laws. But we think that it's important you talk to someone who understands the law well if you have questions or are worried about something.

You can talk to Community Law or Citizen's Advice Bureau about your rights.

Remember that AI can make mistakes, and just reading the law isn't enough to understand how it could be used in court.