This page contains different parts of laws about Banking and loans.
121C: Registrar may require document to be registrable or otherwise comply before registration
121D: When documents are registered
121E: Alterations to register
69: Entitlements provided under this Act
167: Application and source of funds
184: Accreditation agreements
224: Compensation for persons who purchase weekly compensation
228: Application and source of funds
252: Relationship with social security benefits: reimbursement by Corporation
253: Relationship with social security benefits: reimbursement to Corporation
276: Power to borrow, etc
278: Annual financial statements
281: Disclosure of information by Corporation for benefit and benefit debt recovery purposes
301: Service agreement for purchase of public health acute services and other health services
362: First week compensation for incapacity commencing before 1 April 2002
385: Compensation payable to children and other dependants under 1972 and 1982 Acts
393: Levies, premiums, and other payments under former Acts
33: Receipts
2: Commencement
3: Overview
4: Interpretation
5: Meaning of financial service
7: Persons who are not in business of providing financial service
9: Purpose of this Part
10: Registration and deregistration
11: Person in business of providing financial service must be registered and member of approved dispute resolution scheme
12: No holding out that in business of providing financial service unless registered and member of approved dispute resolution scheme
13: Qualifications for registration as financial service provider
14: Disqualified person
15: Application to be registered as financial service provider
16: Registration of financial service provider
17: Duty to notify changes relating to financial service provider
18: Deregistration of financial service provider
19: Notice of intention to deregister
20: Objection to proposed deregistration of financial service provider
21: Notification of deregistration of financial service provider
24: Register of financial service providers
26: Purposes of register
27: Contents of register
28: Annual confirmation
29: Registrar must amend register in certain circumstances
31: Searches of register
32: Search purposes
34: Sharing information with other persons or bodies
35: Appointment of Registrar
37: Registrar’s inspection powers
40: Offence also committed by director
41: Offence to make false or misleading representation
42: Appeals from Registrar’s decisions and FMA directions
44: Regulations under Part 1 and this Part
47: Purpose of this Part
52: Mandatory considerations for approval
63: Rules about approved dispute resolution scheme
71: Reserve scheme
73: Revocation of appointment as reserve scheme
74: Notice of intention to recommend revocation of appointment as reserve scheme under section 73(2)(a) or (b)
75: Objection to intended recommendation for revocation
77: Levy to fund reserve scheme
79: Regulations under this Part
Schedule 1: Consequential amendment
95A: Perpetual debentures
95B: Power to reissue redeemed debentures in certain cases
95C: Specific performance of contracts to subscribe for debentures
299: Information matching to recover costs of visa holder's social security benefit from sponsor
396: Imposition of bonds
397: Refund or forfeiture of bond
469: Bonds imposed under former Act
CC 7: Consideration other than in money
CF 2: Remission of specified suspensory loans
CH 10: Interest apportionment: reporting bank
CU 16: Recovery of reinvestment profit on repayment of loans
CX 10: Employment-related loans
CX 11: Employment-related loans: loans by life insurers
CX 35: Meaning of employee share loan
CX 46: Repayment of loans made from reinvestment profit
CX 53: Credits for inflation-indexed instruments
CZ 3: Exchange variations on 8 August 1975
DB 5: Transaction costs: borrowing money for use as capital
DB 15: Sureties
DF 3: Identifying expenditure for purposes of sections DF 1 and DF 2
DV 10: Building societies
DZ 10: General insurance with risk period straddling 1 July 1993
EE 3: Ownership of goods subject to reservation of title
EH 5: Main income equalisation account
EH 6: Interest on deposits in main income equalisation account
EW 3: What is a financial arrangement?
EW 33: Consideration for hire purchase agreement or finance lease
EW 36: Consideration when person exits from rules: accrued entitlement
EW 39: Consideration affected by unfavourable factors
EW 42: Consideration when acquisition for no, or inadequate, consideration
EW 43: Consideration when debt disposed of at discount to associate of debtor
EW 47: Legal defeasance
EW 52: Share supplier under share-lending arrangement
EY 7: Meaning of claim
EY 9: Meaning of life insurance policy
EY 14: Life insurance and life reinsurance: how sections relate
EY 24: Outstanding claims reserving amount: non-participation policies not annuities
EY 25: Premium smoothing reserving amount: non-participation policies not annuities
EZ 41: Disposal of debt to associate of debtor
EZ 43: Variable principal debt instruments
FA 7: Determining amount of loan
FA 9: Treatment when lease ends: lessee acquiring asset
FA 10: Treatment when lease ends: lessor acquiring asset
FA 12: Recharacterisation of amounts derived under hire purchase agreements
FA 13: Agreements recharacterised as sale with finance provided
FA 15: Treatment when agreement ends: seller acquiring property
FA 16: Treatment when agreement ends: when seller is cash basis person
FA 17: Treatment when agreement ends: when buyer is cash basis person
FE 10: Currency
FE 19: Banking group’s equity threshold
FE 20: Financial value and regulatory value
FE 21: Banking group’s New Zealand net equity
FE 22: Notional offshore investment
FE 23: Banking group’s funding debt
FE 24: Regulations
FE 33: New Zealand banking group
FE 34: Identifying ultimate parent
FE 35: Persons who may be excluded from banking groups
FE 36: Identifying members of New Zealand banking group in usual case
FE 37: Reporting bank for New Zealand banking group
FE 41: Treatment of associated persons’ interests
FO 20: Calculation of outstanding accrued balance: amounts remitted
HD 10: Mortgagees in possession
HD 14: Companies issuing debentures
HD 22: Banking companies
HD 25: Persons remitting amounts outside New Zealand
HE 2: Classes of mutual transaction
HE 5: Association rebates paid by shares or credit
LZ 7: Maximum amount of credit under section LZ 6
LZ 8: Meaning of home vendor mortgage
OJ 11: PCA company’s transfer of life insurance business
OP 22: Consolidated ICA transfer from group company’s ICA
RD 35: Employment-related loans: value using market interest rates
RD 36: Repayment of employment-related loans
RM 33: Limits on refunds for certain unit trusts and group investment funds
RP 6: Operation of PAYE intermediaries’ trust accounts
RP 9: Authorised transfers from accounts
YC 17: Demutualisation of insurers
6: Meaning of in the business of providing a financial service
22: Reregistration of financial service provider
23: Responsible financial service provider
48: Financial service provider must be member of dispute resolution scheme
67: Duty to co-operate and communicate information in certain circumstances
76: Duty to co-operate and communicate information in certain circumstances
Schedule 2: Licensing authorities and licensed providers
112A: Price for shares referred to arbitration if shareholder objects to price
112B: Interest payable on outstanding payments
49: Who are retail clients
167: Commissioner or court may require security for costs
44: Report by Auditor-General on loss incurred by local authority
63: Restriction on lending to council-controlled trading organisation
104: Liability management policy
105: Investment policy
112: Interpretation
113: Prohibition on borrowing in foreign currency
114: Constraints on receiver
115: Rates as security
116: Register of charges maintained by local authority
122: Disclosure document and loan documents to contain statement that the Crown does not guarantee financial products or loan
252: Recovery of debts
264: Amendment to Personal Property Securities Act 1999
265: New Schedule added to Receiverships Act 1993
298: Community trusts
299: Borrowing from sinking fund
300: Cancellation of part of loan in respect of which sinking fund is held
301: Consent required for release of sinking fund
302: Provisions relating to Public Trust and Board of Trustees of National Provident Fund
306: Local Authorities Loans Act 1956
91S: Currency equivalent notices
49: Commissioner must issue additional deduction rate notice to obtain Commissioner deductions
147: Hardship relief for any tax year
145: Payment to spouses or other partners
182: Bankruptcy
185: Charging orders on life insurance policies
200: Dispositions may be restrained
245: Preferential payments
251: Priorities
252: Debts from which discharge releases bankrupt
100: Publication of audited financial statements
101: Auditor of trusts
101: Borrower may apply for reduction of deduction rate to reflect lower repayment obligation
42: Application for unused repayment threshold to be allocated to secondary employment earnings
49: Interest on levies
158A: Community and customer trusts to prepare audited financial statements
158B: Publication of audited financial statements
158F: Application of sections 158A to 158E
HM 15: Maximum investor interests
HM 33: Proxies for PIE investors
49: Authority may suspend trading in case of insolvency
49A: Who are eligible investors
49B: Acceptance of certification
49C: Revocation of certification
49D: How to opt out of being wholesale client
49E: Giving revocation of certification or notification of opt out
72A: Reserve scheme: rules about fees and charges
78A: Levy
79A: Pecuniary order for contravening wholesale certification requirement
39: Funds to which this Part applies
EZ 54: Expected death strain formulas
EZ 55: Expected death strain formulas: option when more than 1 life insured
EZ 57: Expected death strain formulas: when annuity payable on survival to date or age specified in policy
EZ 58: Expected death strain formula (life): when partial reinsurance exists
EZ 59: Meaning of actuarial reserves
EZ 60: Actuarial reserves: calculation
140A: Trust accounts for levy money payable to Director-General
2: Commencement
3: Purposes
4: Interpretation
6: Application of Act
7: Application of Act to bonded scholarships
8: Act binds the Crown
9: Purposes of sections 10, 11, 16, and 17
10: Loan manager must notify Commissioner of persons who apply for student loan
16: Loan manager must notify Commissioner of borrower's details
19: Commissioner must inform borrowers about consolidated loan balance
21: Overview of being New Zealand-based or overseas-based
22: Meaning of New Zealand-based
23: Meaning of overseas-based
24: Treatment of partial days
25: Commissioner may treat certain borrowers as being physically in New Zealand
26: Method of making application and provision of evidence and information
27: Commissioner must notify borrower and specify period or conditions when granting application
28: Borrower to notify Commissioner of absence from New Zealand of 184 or more days
29: Borrower to notify Commissioner of return to New Zealand of more than 183 days
30: Borrower's liability to repay consolidated loan balance
31: Repayment obligations that apply to New Zealand-based borrowers and overseas-based borrowers
32: Interrelationship between subparts 1 and 2
33: Application of this subpart
34: Repayment codes for New Zealand-based borrowers who derive salary or wages
35: Borrowers with SL repayment code must notify employers
36: Employer or PAYE intermediary must make standard deductions from salary or wages
37: Deduction rates that apply to standard deductions from salary or wages
40: Deductions from main benefits
41: Definitions relating to repayment thresholds
43: Determining estimated salary or wages
44: Calculating borrower's unused repayment threshold for pay period
45: Special deduction rate certificate for unused repayment threshold
46: Issue and application of special deduction rate certificate
47: Ongoing obligations of borrower to review and notify
48: Time when special deduction rate ceases to apply
50: Procedures for issue of additional deduction rate notice
51: Assessment of standard deductions that ought to have been made
52: Recovery of assessed amounts
55: Declaration by eligible borrowers for exemption from standard deductions
56: Notice from Commissioner
57: Consequences of exemption from standard deductions
58: Withdrawal of declaration
59: Notice of change of circumstances
60: When exemption from standard deductions ceases to apply
61: Information to show salary or wage deductions made
62: Commissioner must determine question about amount of salary or wage deductions
63: Commissioner determines what is significant under-deduction or significant over-deduction
64: Standard deductions are full and final unless significant error
65: Significant over-deduction identified by borrower
66: Commissioner must determine whether significant over-deduction made
68: Applicable procedures if significant under-deduction
69: Prohibition on applications or declarations to maintain integrity of student loan scheme
70: PAYE rules apply to salary or wage deductions
71: Salary or wage deductions in addition to income tax withheld
72: Application of this subpart
73: Meaning of adjusted net income, Schedule 3 adjustments, and related terms
74: Notification of Schedule 3 adjustments
75: Extension of time for notification of Schedule 3 adjustments
76: Commissioner to assess borrower's end-of-year repayment obligation
77: Calculation of borrower's end-of-year repayment obligation if salary or wages less than annual repayment threshold
78: Calculation of borrower's end-of-year repayment obligation where salary or wages equal to or more than annual repayment threshold
79: Payment of end-of-year repayment obligation
80: Calculation of terminal payment for tax year
81: Due date for terminal payment
84: Due dates for payment of interim payments
85: Commissioner's powers in relation to due dates
86: Interim payments to be paid in same manner as provisional tax
87: Consequence of failure to meet repayment obligations
88: Application of this subpart
89: Commissioner to assess borrower's other income repayment obligation
90: Calculation of borrower's other income repayment obligation where salary or wages below threshold
91: Calculation of borrower's other income repayment obligation where salary or wages equal to or above threshold
92: Payment of other income repayment obligations
93: Calculation of remaining repayments for tax year
94: Due dates for payment of remaining repayments
97: Due dates for payment of interim payments
98: Commissioner's powers in relation to due dates
99: Interim payments to be paid in same manner as provisional tax
100: Consequence of failure to meet repayment obligations
102: Special deduction rate certificate for lower repayment obligation
103: Issue and application of special deduction rate certificate
104: Time when special deduction rate ceases to apply
105: Application of this subpart
106: Meaning of temporary repayment suspension
107: Borrowers who intend to be overseas-based may apply for temporary repayment suspensions
108: Duration of temporary repayment suspension
109: Assessments for years in which borrower is overseas-based
110: Repayment obligations of overseas-based borrowers
111: Exceptions to repayment obligations of overseas-based borrowers
112: Repayment to be made by instalments
113: Consequence of failure to meet repayment obligations
114: Notification of Schedule 3 adjustments by New Zealand-based non-resident borrowers
115: Repayment obligations of borrowers who are overseas-based for part of tax year
116: Overseas-based borrowers who derive salary or wages from New Zealand
117: Overseas-based borrower's standard and Commissioner deductions satisfy overseas-based repayment obligation
118: Interpretation
120: Commissioner must notify borrower of excess repayment
121: Options that apply to excess repayments
122: Exception to general rule if repayment obligations for prior tax years reassessed
123: Borrower's entitlement to 10% bonus for excess repayment of $500 or more
124: Borrower's entitlement to bonus if loan balance is less than $550
125: Borrower may be entitled to 10% bonus if under-deduction is due to PAYE system
126: Time at which 10% bonus is credited
127: Restriction on amount of 10% bonus
129: Consequences of refund or credit to next tax year
130: Commissioner must advise borrowers to seek financial advice
131: Limit on use of excess repayments
133: No interest applied to student loans except as specified in this Part
142: No interest on consolidated loan balance in credit
143: Commissioner's power to correct interest when charged in error
144: Power of Commissioner in relation to small amounts
145: Application for different types of relief for borrower
148: Special deduction rate certificate for hardship relief
149: Issue and application of special deduction rate certificate
150: Time when special deduction rate ceases to apply
151: Effect of Commissioner's decision under section 147
152: Borrowers must notify Commissioner of change of circumstances
153: Commissioner may review grant of hardship relief
154: Application for instalment arrangement
155: Late notification penalty for Schedule 3 adjustments under section 74
156: Due dates for payment of late notification penalty
157: Definitions relating to student loan shortfall penalties
158: Student loan shortfall penalties may be imposed on certain borrowers
159: Commissioner may impose student loan shortfall penalties
160: Notification and payment obligations if Commissioner imposes student loan shortfall penalty
161: Student loan shortfall penalty reduced or removed to reflect change to shortfall penalty
162: Certain offence provisions in Tax Administration Act 1994 apply to borrowers
163: Offence to prejudice employees because of student loan repayment liability
164: Proceedings to be commenced by Commissioner
165: Charging document may charge several offences
166: Time for filing charging document
167: Borrowers may object to details of loan advances
168: Loan manager must consider objections
169: Power to require objection to be determined by chief executive
170: Chief executive must consider objections required to be determined by chief executive
171: Right to apply to Disputes Tribunal or District Court
172: Notification of Disputes Tribunal's or District Court's decision about objection
173: Part 4A of Tax Administration Act 1994 applies to disputes under this Act
174: Dispute process must be completed before challenge is made
175: Challenge to details of consolidated loan balance
176: Challenge to decision concerning treating borrowers as being physically in New Zealand
178: Challenge to additional deduction rate notice
179: Challenge to determination of salary or wage deduction
180: Challenge to decision regarding significant over-deduction
182: Challenge to assessments
183: Challenge to interest charged
184: Challenge to decision concerning relief
185: Challenge to late notification penalty
186: Challenge to student loan shortfall penalty
187: Person who may make challenge
188: Commissioner's decision on challenges
189: Annual administration fee
190: Tax year other than 12 months due to change in balance date
191: Limit on repayment obligation for pay period or tax year
192: Payment date not otherwise specified
193: Recovery of unpaid amount
196: Cancellation of interest if consolidated loan balance repaid early
197: Write-off of consolidated loan balance
199: Manner of making refunds
200: Appropriation of refunds
201: Loan advances and other information may be altered
202: Provisions of Tax Administration Act 1994 and Income Tax Act 2007 to apply to this Act
203: This Act overrides loan contracts
205: Loan contract enforceable against minor
206: Student loan contracts are not credit contracts
207: Disclosure of information between authorised persons
208: Disclosure of information between Inland Revenue Department and New Zealand Customs Service for information-matching purposes
210: Meaning of inform
211: Meaning of notify
212: Meaning of notify a person in writing
213: Meaning of formally notify
214: Notice requirements of Tax Administration Act 1994 do not apply
216: Transitional regulations
217: Application of Legislation Act 2012
218: Transitional provisions concerning loan manager and loan advances
219: Early applications and issue of certificates for transition to this Act
220: Application, savings, and transitional provisions
222: Amendments to Student Loan Scheme Act 1992 and Credit Contracts and Consumer Finance Act 2003
223: Amendments to other Acts
224: Amendments to other enactments
225: Student Loan Scheme Act 1992 repealed
226: Regulations revoked
Schedule 1: Conditions to borrower being treated as being physically in New Zealand
Schedule 2: Application of PAYE rules for purposes of section 70
Schedule 3: Adjustments to net income for purposes of section 73, applying from 1 April 2014 for 2014–2015 and later tax years
Schedule 4: Application of provisional tax rules for purposes of section 86
Schedule 5: Transitional provisions concerning loan manager and loan advances
Schedule 6: Application, savings, and transitional provisions
Schedule 9: Amendments to other Acts
Schedule 10: Amendments to other enactments
8: Certain matters to be disregarded
36: Rights and powers attaching to shares
46: Consideration for issue of shares
47: Consideration to be decided by board
49: Consideration in relation to issue of options and convertible financial products
52: Board may authorise distributions
56: Recovery of distributions
63: Stock exchange acquisitions subject to prior notice to shareholders
67C: Reissue of shares company holds in itself
76: Financial assistance
77: Company must satisfy solvency test
78: Special financial assistance
79: Disclosure document
80: Financial assistance not exceeding 5% of shareholders' funds
87: Company to maintain share register
94: Assignee of bankrupt may be registered
95: Share certificates
97: Liability of shareholders
99: Additional provisions relating to liability of shareholders and former shareholders
103: Liability of an assignee
107: Unanimous assent to certain types of action
115: Court may grant exemption if company insolvent
146: Meaning of relevant interest
149: Restrictions on share dealing by directors
203: Recognition of financial reporting requirements of overseas countries
225A: Registers
228: Compromise proposal
232: Powers of court
239O: Remuneration of administrator
239Z: Effect on dealing with company property
239AE: Administrator must investigate company's affairs and consider possible courses of action
239ABK: Meaning of terms used in this subpart
239ABL: If secured creditor acts before or during decision period
239ABO: Court may limit powers of secured creditor, etc, in relation to property subject to charge
239ACT: Extent to which deed binds creditors
239ADB: Court may cancel creditors' variation
239ADM: Administrator's right of indemnity has priority over other debts
239AEH: Application of set-off under netting agreement
248: Effect of commencement of liquidation
263: Restriction on enforcement of lien over documents
271: Pooling of assets of related companies
280: Who may be appointed as liquidator
289: Statutory demand
293: Voidable charges
297: Transactions at undervalue
302: Application of bankruptcy rules to liquidation of insolvent companies
304: Claims by unsecured creditors
305: Rights and duties of secured creditors
310: Mutual credit and set-off
310B: Application of set-off under netting agreement
310H: Rights under netting agreement not affected by commencement of liquidation
310K: Certain persons may be declared to be recognised clearing houses
310L: Matters that Bank must or may have regard to when making, varying, or revoking declaration under section 310K
310M: Bank may impose conditions in declaration under section 310K
310N: Bank to notify recognised clearing house about Bank's intention to revoke or vary declaration under section 310K
311: Interest on claims
316: Establishment of Liquidation Surplus Account
324: Property of company removed from register
3: Purpose of this Act
4: Interpretation
6: Financial Markets Authority established
7: FMA is Crown entity
9: FMA's functions
10: Membership of board of FMA
11: Associate members
12: Associate member treated as member of board
13: Removal of associate members
14: FMA may act by divisions
15: Membership, chairperson, meetings, and resolutions of division
16: Powers of division
17: Quorum for meetings of FMA
18: Completion of proceedings where member unable to attend meeting
20: Minister may request that FMA inquire and report
22: Protection from liability for FMA and members and employees
23: FMA's warnings, reports, guidelines, or comments protected by qualified privilege
24: Evidence of orders and decisions of FMA
25: FMA may require person to supply information, produce documents, or give evidence
26: Powers of FMA to receive evidence
28: Witnesses' expenses
29: Power to enter and search place, vehicle, or other thing
30: Sharing of information and documents with law enforcement or regulatory agencies and overseas regulators
31: Power of FMA to act on requests of overseas regulators
32: FMA's consideration of requests
33: Conditions that may be imposed on providing information, documents, or evidence to other agencies or regulators
34: FMA may exercise person’s right of action
35: Requirements for FMA exercising person’s right of action
36: High Court may grant leave in certain circumstances
37: Procedural requirements for leave to exercise person’s right of action
38: Powers of High Court for proceedings exercising person’s right of action
39: Representative actions
44: Power to make confidentiality orders
46: FMA may accept undertakings
47: Enforcement of undertakings
48: FMA may state case for opinion of High Court
49: FMA may require its warning to be disclosed
52: Power to authorise person to obtain information or documents
53: Requirements for persons authorised to obtain information or documents
55: Protection from liability for persons exercising powers
56: Witnesses and counsel to have privileges of witnesses and counsel in court
57: Effect of proceedings
61: Criminal liability for obstructing exercise of powers
62: Notices
63: Service of notices
64: Powers not limited
65: Limitation on disclosure of information obtained in FMA's operations
68: Levy of financial markets participants and other persons registered or incorporated under Acts referred to in Schedule 1
69: FMA must consult about request for appropriation
70: Interpretation
71: Securities Commission disestablished
72: Consequences of disestablishment
73: References to Securities Commission
74: Transfer of employees
75: Effect of Act
78: Consequences of disestablishment
79: References to Government Actuary
81: Ministry of Economic Development employees
82: Amendments to other enactments
84: Amendments consequential on replacement of Commission by FMA
85: Amendments consequential on replacement of Government Actuary by FMA
Schedule 1: Financial markets legislation
Schedule 2: Provisions relating to search power
Schedule 3: Amendments to other enactments
Schedule 4: Amendments to replace references to Securities Commission or Government Actuary
Schedule 5: Proceedings at meetings of creditors
Schedule 7: Preferential claims
22A: Applications to chief executive for payment of bond without agreement of other party
22E: MSD may disclose address information for bond refund purposes
243: Money laundering
245: Application of section 243 to acts outside New Zealand
336: Power to compromise with creditors
383: Financial statements
Schedule 7: Convention on International Interests in Mobile Equipment
240A: Liquidation of licensed insurers
204: Commissioner may exercise rights in loan contracts to recall loans
13: Certain information must be disclosed in loan contract
14: Student loan establishment fee
8: FMA's main objective
40: FMA must consult person A
42: Special limitation provision
43: Transitional provisions
50: FMA must give notice of orders
51: Offence of failing to comply with order
54: Non-disclosure of information or documents from exercise of powers under section 25 except in certain circumstances
59: Confidentiality of information and documents
60: Conditions relating to publication or disclosure of information or documents
83: Transitional provisions relating to consequential amendments to Unit Trusts Act 1960
58: Effect of final decision that exercise of powers under section 25 unlawful
67: Regulations relating to fees, charges, and costs
1: Short Title and commencement
2: Interpretation
4: Deputy Registrars of Building Societies
5: Official seal
6: Registers to be kept
8: Information as to societies, and inspection of documents kept by Registrars
9: Purpose for which building society may be established
9A: Functions of building societies
9B: Powers of building societies
9C: Ultra vires transactions
9D: Registration of documents not to constitute constructive notice
9E: Dealings between society and other persons
9F: Effect of fraud
10: Permanent and terminating societies
11: Power to raise and repay funds
12: Powers in relation to land
13: Mode of establishing society
14: Registration of rules of society
15: Incorporation of society
16: Appeal against refusal to register
17: Contents of rules
18: Effect of rules
20: Copies of rules to be supplied on request
21: Restriction on registration of names
22: Society to use registered name
23: Change of name
24: Members who are not shareholders
25: Members under age of 20
26: Joint shareholders
27: Liability of members
27A: Interpretation
27B: Agreements to purchase shares
27C: Right of purchaser to cancel agreement
27D: Effect of cancellation of agreement
27E: No contracting out
27F: Schedule 7 may be amended
28: Business not to be commenced before incorporation
29: Minimum subscription by founding members
30: Commencement of advertising
31: Commencement of balloting for appropriations
31A: Bonus balloting shares and bonus ballots
32: Union of societies
33: Transfer of engagements
34: Supplementary provisions as to union and transfer of engagements
34A: Power to dispose of part of business undertaking
35: Advances on security of mortgage of land for residential purposes
36: Ordinary limitations on special advances
37: Permission to exceed limit for special advances
38: Permission to make special advance to purchaser of mortgaged property
39: Meaning of member for the purposes of this Part
40: Valuation of security
41: Additional security for advances
42: Record of advances
43: Security taken from third party
44: Arrangement for excess advance in connection with sale of property
45: Implied warranty on advance to purchaser, unless notice given to the contrary
46: Representation as to sufficiency of security
47: Restrictions on second or subsequent mortgages
48: Advance for single premium life policy
49: Restriction on commissions for introduction of mortgage business
50: Provisions as to sale of mortgaged property
51: Limitation on advances on security of members' shares
51A: Advances on security other than mortgage of land or members' shares, or without security
52: Power of Registrar to require actuary's certificate as to appropriations by ballot
53: Memorandum of discharge of mortgage
54: Interpretation
55: Investment and banking of surplus funds
55A: Societies to hold certain public securities
56: Borrowing powers
57: Restrictions on savings bank deposits
57A: Home ownership accounts and farm ownership accounts
58: Interest on deposits
59: Liability for borrowing in excess of powers
60: Assistance to other building societies
61: New investors and depositors to receive copies of accounts
62: Depositor under age of 20
63: Designation of societies for investments by trustees
56A: Investment powers
56B: Borrowing powers
56C: Power to give security
56D: Home ownership accounts and farm ownership accounts
56E: Depositor under age of 20
56F: Designation of societies for investments by trustees
56G: Memorandum of discharge of mortgage
64: Power to order suspension of borrowing and subscriptions for shares
65: Procedure to be followed in making order
66: Provisions consequential on Registrar's order
67: Power to give directions as to advertising
68: Procedure to be followed in giving direction
69: Power to require documents and information
70: Special powers of direction in relation to small societies
71: Supplementary provisions as to small societies
72: Registered office of society
73: Change of registered office
74: Duty to keep register
75: Inspection of register of members
76: Annual general meeting
77: Length of notice of meetings
78: Persons entitled to notice of meetings
79: Proxies
80: Right to demand a poll
81: Special resolutions
82: Notices of special resolutions
83: Directors
84: Giving of security by officers of society
85: Duty of officers to account
86: Disclosure of interest by directors
87: Officers not to accept commissions
88: Notice of changes in holding of certain offices
89: Office management
90: Accounting records must be kept
91: Financial reporting
91A: Summary financial statements
92: Half-yearly financial statements must be prepared
93: Form and content of financial statements
94: Offences under sections 90 to 93
95: Directors' report
96: Distribution of copies of financial statements and reports
97: Depositors and members entitled to be supplied with copy of financial statements
97A: Offences relating to laying financial statements before annual general meeting, half-yearly financial statements, directors' report, and distribution of financial statements
97B: Election to receive summary financial statements
98: Appointment of auditors
99: Resolutions as to appointment and removal of auditors
100: Qualifications of auditors and access to information
101: Auditors' report and right to attend meetings
102: Accounts of groups in terminating society
103: Duty to make annual return
104: Annual return to disclose loans or other investments to certain officers or companies
105: Additional annual return of certain transactions
106: Auditors' report on annual return
107: Officers and auditors not to be exempted from liability
108: General provisions as to disputes
109: Determination of disputes by arbitration
110: Determination of disputes by Registrar
111: Determination of disputes by court
112: Effect of determination
113A: Building society may approve scheme for conversion of society into company under Companies Act 1993
113B: Cancellation of approval of scheme for conversion by High Court
113C: Special resolution approving scheme for conversion to be registered by Registrar of Building Societies
113D: Registrar of Companies to register society as company on receipt of certain documents
113E: Consequential provisions on conversion of society
113F: Enforceability of rights and liabilities altered by or arising under scheme for conversion
113G: Liability of members of company
113H: Prohibition on issue of terminating or bonus balloting shares in company to which society converts
113I: Preservation of rights of terminating shareholders
113J: Terms and conditions of bonus balloting securities not to be substantially different from terms and conditions of bonus balloting shares
113K: Employees
113L: Application of Gambling Act 2003 to company ballots
113M: Prohibition on opening of new bonus balloting accounts after conversion date
113N: Retention of trustee investment status for 5 years from conversion
113O: Retention of approved status for accepting deposits in home ownership or farm ownership accounts
113P: Prohibition of bonus ballots after expiry of 3 years from conversion date
113Q: Regulations for purposes of this Part
113R: Taxes and duties
113S: Registers
114: Dissolution in accordance with rules
115: Dissolution by consent
116: Provisions as to dissolution under last 2 preceding sections
117: Dissolution on award of Registrar
118: Dissolution by appointment of liquidator
119: Liability of members on dissolution or liquidation
120: Notice of dissolution or liquidation
121: Provision as to terminating societies
122: General control of advertisements
122A: Powers of inspection of Registrar
122B: Registrar may refuse to disclose information relating to inspection
122C: Appeals from decisions under section 122B
122D: Power of FMA to require actuary's certificate as to appropriations by ballot
123: Inspections and special meetings
124: Compulsory cancellation or suspension of registration
125: Cancellation of registration at request of society
126: Effect of cancellation or suspension of registration
127: Provisions as to shares held jointly
128: Land acquired by exercise of powers as mortgagee to be sold
129: Evidence of rules
130: Form in which records may be kept
131: Exemptions from stamp duties
132: Offences in relation to property of societies
133: False statements in documents
135: Time for filing charging document
136: General penalty for offences
137: Regulations
138: Filing of rules of existing societies with District Registrars of Companies
139: Repeals, consequential amendments, and savings
Schedule 1: Standard rules for meetings
Schedule 2: Requirements relating to founders' and directors' shares
Schedule 3: Requirements relating to advertising
Schedule 4: Societies authorised to accept savings bank deposits
Schedule 5: Amendment to Part 2 of Schedule 1 of the Summary Proceedings Act 1957
Schedule 6: Enactments repealed
Schedule 7:
221: Amendments to this Act
Schedule 8: Amendments to Student Loan Scheme Act 1992 and Credit Contracts and Consumer Finance Act 2003
134: Loan interest charged for all overseas-based borrowers
135: Loan interest calculated daily and charged and compounded annually
136: Notification that loan interest has compounded
138: Loan interest written off for quick repayment of consolidated loan balance
195: Date on which salary or wage deductions and payments treated as being made and credited
146: Commissioner may grant relief from late payment interest
38: Employer or PAYE intermediary must make Commissioner deductions from salary or wages
39: Employer or PAYE intermediary must make borrower deductions from salary or wages
5: Meaning of unpaid amount
11: Commissioner must confirm information provided by loan manager
12: Loan manager must provide copy of loan contract
15: Right to cancel loan contract
17: Loan manager must transfer loan advance debts to Commissioner for collection
18: Commissioner must notify borrowers of loan advances
20: Borrower must be notified of certain changes to obligations
53: Definitions relating to exemption for full-time students
54: Borrowers who are eligible for exemption from standard deductions
67: Procedure if significant over-deduction made
82: Calculation of interim payments for next tax year
83: Commissioner may assess interim payments if information for preceding year not provided
95: Calculation of interim payments for next tax year
96: Commissioner may assess interim payments if information for preceding year not provided
119: Meaning of excess repayment
128: Application of sections 118 to 122 and this subpart to part years
132: Borrower may receive refund or apply excess repayment to future repayment obligations
137: Full interest write-off for New Zealand-based borrowers
139: Late payment interest charged on unpaid amount
140: Notification of late payment interest
141: Late payment interest reduced if instalment arrangement complied with
177: Challenge to special deduction rate certificate for unused repayment threshold
181: Challenge to prohibition on applications or declarations
194: Order in which certain deductions and payments offset against borrower's consolidated loan balance
198: Commissioner may remedy incorrect application of Act
Schedule 7: Amendments to this Act
88A: Meaning of adjusted net income
107B: Grant of temporary repayment suspension
108A: Borrowers who have had, or are having, temporary repayment suspensions under Student Loan Scheme Act 1992
114A: Extension of time for notification of Schedule 3 adjustments
107A: Contact person to be nominated
193A: Contact person may be requested to assist
193B: Changes relating to identity and details of contact person
FE 36B: Identifying members of New Zealand banking group: Crown-owned, no interest apportionment
91: Costs may be deducted from compensation awarded
98: Public Trust may invest compensation money
99: Mortgaged land
100O: Trust accounts for levy money
219: Penalty for late payment
221: Charge on land
259D: Regulations may incorporate financial reporting standards by reference
259E: Effect of amendments to, or replacement of, standards incorporated by reference in regulations
259F: Proof of standards incorporated by reference
259G: Effect of expiry or revocation of standards incorporated by reference
259I: Application of Legislation Act 2019 to standards incorporated by reference
16A: Loan manager must notify Commissioner of any details held about borrower’s contact person
76A: Commissioner must assess borrowers to whom section 72(b) applies as having zero repayment obligation
8A: Application of provisions of Act
115A: Reassessment of borrower's overseas-based repayment obligations in year of return to New Zealand
174A: Part 8A of Tax Administration Act 1994 applies to challenges under this Act
182A: Challenge to decision concerning temporary repayment suspension
193C: Changes relating to contact details of borrower
146A: Commissioner may grant relief from penalties
161A: Underestimation penalty where interim payments underestimated as at last interim payment date
EZ 67: Leased assets
23A: Goods subject to collateral credit agreement
55: Deduction of union fees
141A: Late payment interest reduced if deduction or extraction notice applies
162A: Offence for default of overseas-based repayment obligation
162B: Arrest of liable person
48Q: No pecuniary penalty and fine for same conduct involving financial products or financial services
48S: Certain conduct under Financial Markets Conduct Act 2013 does not contravene various provisions of this Act
46A: Undertaking may include requirements as to compensation or penalties
48A: FMA may appear and be heard and adduce evidence
207A: Audit must be carried out in accordance with auditing and assurance standards
36S: Regulations
2A: Purposes of this Act
15A: Purpose of FMA's powers relating to registration
15B: FMA may prevent registration of financial service provider
15C: FMA may prevent registration regardless of whether applicant is otherwise qualified to be registered
18A: Purpose of FMA's powers relating to deregistration
18B: Consideration of deregistration of financial service provider by FMA
18C: FMA may direct deregistration regardless of whether section 18(1) applies
3: Purpose of this Act
14: Status of examples
15: What this Part does
20: Jobseeker support: requirements
23: Jobseeker support: age requirement
24: Jobseeker support: no or minimum income
25: Jobseeker support: discretionary grant on ground of hardship
26: Jobseeker support: ineligibility
27: Jobseeker support: on ground of health condition, injury, or disability: application must include certificate
28: Jobseeker support: on ground of health condition, injury, or disability: medical examination
29: Sole parent support: requirements
30: What is sole parent requirement
31: When dependent child may be regarded as applicant’s child
33: Expiry of sole parent support, and replacement with jobseeker support, when youngest dependent child turns 14 years old
34: Supported living payment: on ground of restricted work capacity or total blindness: requirements
36: Supported living payment: on ground of restricted work capacity or total blindness: ineligibility
37: Supported living payment: on ground of restricted work capacity or total blindness: medical examination
38: Supported living payment: on ground of restricted work capacity or total blindness: payment not apportioned in specified cases
40: Supported living payment: on ground of caring for another person: requirements
41: Supported living payment: on ground of caring for another person: application must include certificate
42: Supported living payment: on ground of caring for another person: medical examination
49: Youth payment: requirements
51: Youth payment: no or minimum income
52: When person has parental support gap
53: Youth payment: discretionary grant on ground of hardship
54: Youth payment: continuation after turning 18 years old
55: Youth payment: incentive payments
56: Young parent payment: requirements
58: Young parent payment: no or minimum income
59: When person has parental support gap
60: Young parent payment: discretionary grant on ground of hardship
61: Young parent payment: continuation after turning 20 years old
62: Young parent payment: incentive payments
63: Emergency benefit: discretionary grant on ground of hardship
64: Emergency benefit: grant during epidemic in New Zealand
65: Accommodation supplement: discretionary grant
66: Social housing exclusion
67: Other funding exclusion
68: Accommodation supplement: special rules for joint tenants who are in relationship
69: Accommodation supplement: refusal, reduction, or cancellation of grant in certain circumstances
76: Childcare assistance: purpose
77: Childcare assistance: eligibility
80: Child disability allowance: MSD may require medical certificate
81: Child disability allowance: MSD may require medical examination
83: Child disability allowance: not payable with other assistance or pension
85: Disability allowance: discretionary grant
87: Disability allowance: refusal, reduction, or cancellation of grant in certain circumstances
88: Disability allowance: medical examination
89: Special disability allowance: entitlement in special circumstances
90: Funeral grant: general eligibility and definitions
95: Temporary additional support: purpose
96: Temporary additional support: requirements
97: Temporary additional support: refusal, reduction, or cancellation of grant in certain circumstances
98: Interpretation
102: Special assistance: status of, and access to, notices
103: Provisions relating to children aged 18 years or over who continue education
104: What this Part does
106: MSD must make people affected aware of their obligations, consequences of non-compliance, and their review and appeal rights
107: MSD must explain rules relating to absence from New Zealand
109: Outline of beneficiary’s general and specific obligations
110: When obligations apply
111: Beneficiary must hold, and give MSD details of, bank account
113: Beneficiary must notify change of circumstances
114: Obligation to notify absence from New Zealand
119: Person who fails to comply with requirement to undergo work ability assessment is subject to sanction
120: Work-preparation obligations
126: Person who fails to comply with work-preparation obligation subject to sanction
127: Obligations in relation to dependent children
128: Obligations of beneficiary in relation to dependent children
129: Obligations of spouse or partner of beneficiary in relation to dependent children of beneficiary
130: Obligations of spouse or partner of beneficiary in relation to dependent children of spouse or partner
138: Work-test obligations
139: Purpose of sections 140 to 154
141: Jobseeker support: work capacity determination and work test
143: Time when work-test obligation applies
151: Costs of drug test
152: Definitions for drug-testing provisions
160: Procedure for grant of exemption
161: Person who fails to comply with requirement to attend interview is subject to sanction
162: Obligations of young person granted youth support payment
163: When education obligation or training obligation begins for young parent
164: Obligations of young person granted young parent payment
165: Young person aged 18 or 19 years who is receiving jobseeker support in young person’s own right and who is at significant risk of long-term welfare dependency
166: Young person aged 16 or 17 years who has no dependent child and who is spouse or partner of specified beneficiary
167: Young person aged 16 to 19 years who has dependent child and who is spouse or partner of specified beneficiary
168: Young person aged 18 or 19 years, who is receiving jobseeker support as spouse or partner of person granted that benefit, or who is work-tested spouse or partner of specified beneficiary, and who is at significant risk of long-term welfare dependency
169: Interpretation
170: Obligation to work with contracted service providers
171: Person who fails to comply with requirement under section 170(2) subject to sanction
175: MSD may give notice requiring person to take reasonable steps to obtain overseas pension for dependant
176: Failure to comply with MSD’s notice given under section 174 or 175
177: Applicant for benefit must provide information as to rate of overseas pension
182: Obligations suspended where MSD has exercised discretion to pay benefit while beneficiary overseas
183: What this Part does
184: Regulations may prescribe pre-benefit activities
185: MSD must explain requirements
186: Benefit may be subject to repayment of insurance payment
192: MSD must reduce rates of benefits for sole parents for failure to assist child support
193: No reduction in certain cases
195: Shared care of dependent child
197: Effect of compensation or damages on application for benefit
198: Loss of earnings compensation under Accident Compensation Act 2001
199: Veteran’s entitlement excludes any other benefit
200: Exceptions to rule that veteran’s entitlement excludes any other benefit
201: Personal benefit of spouse or partner excludes benefit on behalf of spouse or partner
202: MSD may refuse or cancel benefit for failure to take reasonable steps to obtain maintenance
203: MSD may refuse or cancel benefit if family protection claim not pursued
204: MSD may refuse or cancel benefit if person not ordinarily resident in New Zealand
205: Refugee or protected person status
206: Hospitalisation
207: Benefit of spouse or partner increased after 13th week of hospitalisation
208: Beneficiary resident in institution for treatment of alcoholism or drug addiction
210: Beneficiary and offence defined for section 209
213: Immediate suspension of benefit at request of New Zealand Police
214: Beneficiary and offence defined for section 213
215: MSD must give beneficiary notice of immediate suspension
216: Effect of non-payment or suspension of benefit
217: Benefit not payable during custody in prison or on remand
218: Exceptions to rule that benefit not payable during custody in prison or on remand
219: General rule: benefit not payable while beneficiary absent from New Zealand
222: Additional dependent child must not be taken into account in certain cases
224: Limited application of additional dependent child rules
225: Basic rule: no work-tested benefit for 13 weeks after leaving employment or scheme or loss of employment due to misconduct
226: Persons to whom basic rule applies
227: What happens if basic rule applies
228: MSD’s options in case of misconduct
229: Interpretation
230: How non-entitlement period, etc, affects supplementary benefits, and spouse or partner
232: Sanctions for failure to comply with certain obligations under this Act
234: Hierarchy of sanctions
235: Failure, and first, second, and third failure, defined for obligations other than young person or young parent obligations
236: Sanction for first failure: reduction in main benefit
237: Sanction for second failure: suspension of main benefit
238: Sanction for third failure: cancellation of main benefit
239: Reduction or suspension of reduced benefit
240: Failures that can be counted
241: Meaning of continuous payment
242: Failures that cannot be counted
244: Variation for failure to comply with work-test obligation to accept offer of suitable employment
245: Variation for breach of work-test obligation by 1 spouse or partner
246: Variation for breach of work-test obligation by both partners or spouses
247: Variation for suspension or cancellation of benefit or non-entitlement period affecting couple with 1 or more dependent children
248: Variation for suspension or cancellation of main benefit or non-entitlement period affecting sole parent
249: Good and sufficient reason for non-compliance: default by MSD
252: MSD must give notice of sanction
253: Notice relates to single failure
254: How notice of sanction may be given
256: When reduction, suspension, or cancellation of benefit takes effect
257: Request for evidential drug test if sanction imposed for failing screening drug test
259: Effect of failure of evidential drug test
260: Costs of evidential drug test
261: How person recomplies after failure to comply with obligation
263: How person recomplies after failure to comply with drug-testing obligation
264: Drug testing for purposes of recompliance
265: Failure of drug test for purposes of recompliance constitutes third failure
266: Costs of drug testing for purposes of recompliance
268: Failure, and first, second, and third failure, defined for young person or young parent obligations
270: Sanction for first or second failure: suspension of in-hand allowance and incentive payments
271: Sanction for third failure: cancellation of youth payment and incentive payments
272: Effect of cancellation of youth payment on accommodation supplement or temporary additional support
273: Effect of cancellation of youth payment on emergency benefit
274: Effect of cancellation of youth payment on disability allowance or child disability allowance
275: Sanctions for failure by young person required to receive youth services to comply with obligations: money management
276: Sanctions for failure by young person required to receive youth services to comply with obligations: other cases
279: Sanction for failure to comply with young parent obligation
280: Sanction for first or second failure: suspension of in-hand allowance and incentive payments
281: Sanction for third failure: cancellation of young parent payment and incentive payments
282: Effect of cancellation of young parent payment
283: Effect of cancellation of young parent payment on accommodation supplement or temporary additional support
284: Effect of cancellation of young parent payment on emergency benefit
285: Effect of cancellation of young parent payment on disability allowance or child disability allowance
287: Procedure for imposing sanctions for failure to comply with young person or young parent obligation
288: Effect of regrant of youth payment on incentive payment
289: MSD may cancel incentive payment
290: Offences: false statements, misleading, or attempting to mislead, to receive or continue to receive benefits
291: Offences: spouse or partner knowingly benefiting from excess amount obtained by beneficiary's fraud
292: Offence of demanding or accepting fee or other consideration in relation to grant of benefit
293: Offence of demanding or accepting acknowledgement or undertaking
294: General penalty for offences
295: Time for filing charging document
296: What this Part does
297: Application for benefit: making of, help with, lapse, and deemed receipt
298: MSD must inquire into claim for benefit
299: Exception during epidemic
301: MSD decides whether to grant benefit
302: Immediate provisional grant, and later backdating of other benefit
303: After death of applicant
304: Review of entitlement and rate payable
305: Information for review
306: No entitlement, or entitlement only at different rate
307: Benefit on another eligibility ground more appropriate
308: Another benefit more appropriate
310: Certain benefits granted, or granted at rate, not taking into account certain insurance payments
311: General
312: If applicant paid, but claim fails for, ACC weekly compensation
313: Benefits subject to stand down
314: Work-tested benefit of applicant subject to non-entitlement period
315: Exemptions from stand down, and when certain benefits commence
316: Start and calculation of stand-down period
317: Minister may consent to backdating
318: No consent unless benefit not granted earlier because of error
320: Effect of no longer being subject to work-test or young person obligations
322: Effect of no longer being subject to work-preparation obligations
323: Effect of employment on non-entitlement period
324: Effect of participation in certain activities on non-entitlement period
325: General rule if person’s entitlement to benefit ceases
327: Benefits payable to sole parent who stops caring for dependent child due to sudden and uncontrollable circumstances
328: Supported living payment payable to beneficiary who stops caring for another person
329: If child ceases to be entitled to orphan’s benefit or unsupported child’s benefit
330: Supported living payment on ground of restricted work capacity or total blindness and cancelled on medical grounds
331: Expiry date, and specified benefit, defined
332: General rule
333: Exception for specified benefit expiring in week of or before 26 December
334: Exemptions
335: MSD must notify or advise beneficiary
336: Requirements for regrant
337: How benefits are paid
339: Payment generally to, or on account of, beneficiary personally
340: Required manner of payment: general
341: Required manner of payment: money management for certain payments to young people
342: Money management for certain payments to young people: exception if young person meets prescribed criteria for managing own payments
343: Review and appeal of specified determinations made by MSD under regulations
344: Young person beneficiaries may elect money management
346: Required manner of payment: payment on death of beneficiary
347: Advance payment of instalments of benefit
348: Requirement for beneficiary, spouse or partner, or both, to undertake budgeting activity
353: Debts and deductions
354: Recovery of penalty from beneficiary who obtains by fraud amount in excess of entitlement
355: Restriction on imposing penalty under section 354: prosecution for offence
356: Restriction on imposing penalty under section 354: notice and period to respond
357: Restriction on recovering penalty under section 354: decision to be final
358: Recovery from spouse or partner who misleads MSD of excess amount beneficiary obtained
359: Recovery from spouse or partner of apportioned excess amount beneficiary obtained by fraud
360: Obtaining amount by fraud: meaning and proof
361: Recovery from spouse or partner of unapportioned excess amount beneficiary obtained by fraud
362: MSD’s duty to recover debts
363: Duty unaffected by law on mistaken payments
364: Ways MSD or person can meet requirement to give notice or other document
367: Preferred suppliers: determinations
369: Preferred suppliers: paying them disability allowance: exception if total benefit payments less than amount required
371: Preferred suppliers: no appeal lies against MSD decisions
373: Administration service providers: contracts
374: Administration service providers: contents and form of contracts
375: Administration service providers: adoption of existing contracts
377: Conduct of provider of services in relation to young people to be treated for specified purposes as if MSD’s conduct
378: MSD may assign contracted service provider to young person
381: Privacy report for orders adopting agreements with mutual assistance provisions
382: Interpretation
384: MSD may use mutual assistance provisions to recover debts
386: Adverse action against individual if discrepancy shown by information from other country
388: Payment of benefit does not affect right to maintenance
389: Maintenance proceedings
390: What this Part does
391: Right to seek review of specified decision of MSD made under delegation
392: Application must be made within 3 months after date of notification or further period allowed
393: Benefits review committee
394: How to begin, and procedure and powers for, review by benefits review committee
395: Appeals only against decision confirmed or varied by benefits review committee or made by chief executive personally
397: Decision under specified social assistance enactments
398: Decision under reciprocity agreements
399: Decision to recover excess amount
400: Appeal must be begun within 60 working days of notification or further allowed period
401: Social security appeal authority
402: Act does not affect appeals to authority under other enactments
403: How to begin, and procedure and powers for, appeal to authority
409: Appeal, with Court of Appeal’s leave, against High Court’s determination
411: Right of appeal on medical grounds
414: How to apply, and procedure and powers, for appeal to board
416: What this Part does
417: Benefits cannot, in general, be assigned or charged, or pass by operation of law
418: Regulations: general
419: Regulations: general powers not limited by special powers
421: Regulations: residential requirement
422: Regulations: income exemptions
424: Regulations: childcare assistance
425: Regulations: disability allowance: special categories of eligibility
426: Regulations: use of disability allowance to fund specified expenses
427: Regulations: funeral grants: amounts and methods of payment
428: Regulations: temporary additional support
429: Regulations: participation allowance for people participating in activities
432: Regulations: factors affecting benefits: pre-benefit activities
433: Regulations: factors affecting benefits: insurance recovery
434: Regulations: factors affecting benefits: overseas pensions
435: Regulations: factors affecting benefits: issue of warrant to arrest beneficiary
436: Regulations: factors affecting benefits: absence from New Zealand
438: Regulations: application for benefit: making of, help with, lapse, and deemed receipt
439: Regulations: certain benefits granted, or granted at rate, not taking into account certain insurance payments
440: Regulations: exemptions from, and calculation of, stand down
441: Regulations: expiry and regrant of specified benefits
442: Regulations: payments
443: Regulations: payments during epidemic in New Zealand
444: Regulations: debts and deductions
445: Regulations: further provisions on deductions
446: Regulations: advance payment of instalments of benefit
447: Regulations: budgeting activities due to application for advance payment of instalments of benefit
448: Regulations: remittance or suspension of debt
449: Regulations: ways MSD or person can meet requirement to give notice or other document
450: Regulations: reciprocity agreements with mutual assistance provisions, and adverse action if discrepancy shown by information from other country
451: Regulations: how to begin, and procedure and powers for, review or appeal
458: Employment Services and Income Support (Integrated Administration) Act 1998 repealed
9: Interpretation
109: Payment on minor reaching 18 years or marrying or entering into civil union or de facto relationship
111: Variation of certain orders
155: Effect of writs of execution
201: Savings
301: Effect of pledges of documents of title
27A: Commissioner must keep and publish list of charities
27C: Application by entity to be listed as charity
68B: Commissioner must determine whether Commissioner over-deduction made
68C: Procedure if Commissioner over-deduction made
68A: Commissioner over-deduction identified by borrower
209A: Disclosure of information to Australian Taxation Office in relation to borrowers who are, or may be, overseas-based
191: Treatment of certain overseas benefits, pensions, and allowances that are not overseas pensions
277: Sanctions for failure by young spouse or partner of specified beneficiary to comply with obligations: money management
278: Sanctions for failure by young spouse or partner of specified beneficiary to comply with obligations: other cases
345: Credit on payment card, etc, at end of money management
342: Notice of sale to be given
209C: Alternative obligations for FMC reporting entities
136A: Jurisdiction of District Court
Schedule 11: Liquidation of associations
FG 1: When this subpart applies
FG 2: Notional loans
FG 3: Notional interest
RF 2C: Meaning of non-resident financial arrangement income
RF 12D: Determining amount of non-resident financial arrangement income
RF 12J: Treatment of certain payments made under indirect associated funding arrangements
149ZF: Liability to pay costs constitutes debt due to EPA or the Crown
2A: Transitional, savings, and related provisions
Schedule 1AA: Transitional, savings, and related provisions
20: Duties of chief executive in relation to bonds
21: Tenant may pay bond direct to chief executive with landlord's consent
21A: Notification of changes of address to chief executive
22: Agreed applications to chief executive for payment of bond
127: Residential Tenancies Trust Account
128: Auditor-General to be auditor of Residential Tenancies Trust Account
13A: Transitional arrangements
195B: Date on which final-year fees-free entitlement treated as being credited
13: Sharing gross returns
15: Where receiving profits or payments does not make person partner or liable as partner
16: What happens if borrower or buyer is insolvent
24: Misapplication of money or property received for or in custody of firm
27: Person liable if they represent themselves as partner
35: Partners’ rights and duties may be varied by consent
63: Financial reporting offences
65: Duties do not apply if alternative financial reporting duties under Financial Markets Conduct Act 2013
66: Partnership dissolved at end of term, by end of venture or undertaking, or by notice
79: Right of outgoing partner or partner’s estate to share profits or obtain interest
452A: Orders in Council: mandatory annual average weekly earnings adjustment of rates of main benefits
EL 16: Interests in residential land-rich entities
49C: Landlord, not insurer, to benefit from tenant liability for careless damage
239ABMA: Enforcement of security interest over collateral for qualifying derivative
Schedule 1AA: Transitional, savings, and related provisions
91: Funeral grant: eligibility if deceased person has dependants
92: Funeral grant: eligibility if deceased person has no dependants
93: Funeral grant: eligibility if deceased person is child
94: Funeral grant: restrictions on payment
HC 31B: Value transfer by deferral, or non-exercise, of right to demand payment
HZ 11: Protection from non-compliance: Taxation (KiwiSaver, Student Loans, and Remedial Matters) Act 2020
62A: Commissioner may notify employers when loan balance close to zero
HD 17B: Lloyd’s of London: agents for life insurance
218A: Temporary modification relating to powers of attorney and outbreak of COVID-19
Schedule 13: COVID-19 business debt hibernation
34A: COVID-19 business debt hibernation may apply
256A: Duties in relation to company money
296D: Additional provisions relating to setting aside dispositions
72: Winter energy payment: requirements
73: Winter energy payment: election not to receive
74: Winter energy payment: instalments, rates, and payment
75: Winter energy payment: termination on review
7A: Application of Act
12A: Registration for certain overlapping services not required
22B: Suspension of registration
22C: Registration of financial advisers
22D: Financial adviser may be deregistered if not engaged by provider for extended period
44A: Who financial adviser is treated as engaged by when engaged indirectly
48A: When financial adviser is exempt from being member
44B: FMA acts as licensing authority in relation to operators of financial product markets
309: Termination of winter energy payment
319: Commencement of winter energy payment
240A: Temporary modification relating to powers of attorney and COVID-19
43: Orphan’s benefit: requirements
45: Orphan’s benefit to be used for benefit of child
46: Unsupported child’s benefit: requirements
48: Unsupported child’s benefit to be used for benefit of child
32: Sole parent support: situation of split care
GC 16: Credit rating of borrower: other than insuring or lending person
GC 17: Credit rating of borrower: insuring or lending person
GC 19: Sections GC 15 to GC 18 and financial arrangements entered before application period
137A: Validation of fees used to recover costs of other Companies Office registers, etc
21: How data holders and accredited requestors must deal with joint customers
Schedule 15: Registered persons that may be subject to levy
EW 46D: Consideration when insolvent company’s debt repaid with consideration received for issuing shares
304A: Grounds for review of whether person’s information share child support payment is or was their weekly income
363A: Use of automated electronic systems to make decisions, exercise powers, comply with obligations, and take related actions
363D: Appeals and reviews unaffected
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