{
  "node_id": "nz-cccfa-2003-credit-contracts",
  "title": "New Zealand Credit Contracts and Consumer Finance Act 2003 (CCCFA)",
  "domain": "Banking & Global Finance",
  "version": "1.0.0",
  "last_updated": "2026-04-30",
  "bluf": "The Credit Contracts and Consumer Finance Act 2003 (CCCFA) governs consumer credit contracts, consumer leases, and buy-back transactions in New Zealand, establishing disclosure requirements for creditors, lender responsibility principles, and protections against oppressive credit contracts. The Act was significantly amended in 2014 and 2021 to introduce comprehensive lender responsibility obligations. Under Section 9C, creditors must comply with lender responsibility principles including ensuring the consumer can make repayments without suffering substantial hardship and that the credit is suitable for the consumer's requirements and financial situation. Section 17 requires creditors to make initial disclosure before or at the time of entering into a consumer credit contract. Section 47 empowers the court to reopen oppressive credit contracts and consumer leases.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "nist_framework",
      "iso_standard",
      "industry_mapping",
      "ai_overlay_2026"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "nz-fmca-2013-financial-markets-conduct"
  ],
  "primary_citations_count": 7
}