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Credit Reforms (Responsible Lending) Bill (Consistent) [2009] NZBORARp 52 (2 September 2009)

Last Updated: 28 April 2020

Credit Reforms (Responsible Lending) Bill

2 September 2009

ATTORNEY-GENERAL LEGAL ADVICE

CONSISTENCY WITH THE NEW ZEALAND BILL OF RIGHTS ACT 1990: CREDIT REFORMS (RESPONSIBLE LENDING) BILL

1. We have considered whether the Credit Reforms (Responsible Lending) Bill (the “Bill”), a Member’s Bill in the name of Charles Chauvel MP, is consistent with the New Zealand Bill of Rights Act 1990 (the “Bill of Rights Act”). The Bill was introduced into the House of Representatives on 20 August 2009 and is currently awaiting its first reading. We understand that the next Members’ Day is scheduled for Wednesday, 9 September 2009.

2. The purpose of the Bill is to require lenders to act responsibly when lending to unwary consumers and to prevent excessive rates of interest from being charged.

3. The Bill amends the Credit Contracts and Consumer Finance Act 2003 to:


2009_5200.jpg The Bill also amends:


This advice has been prepared by the Public Law Group and the Office of Legal Counsel. We have concluded that the Bill does not appear to be inconsistent with the rights and freedoms affirmed in the Bill of Rights Act.

Jeff Orr

Chief Legal Counsel

Office of Legal Counsel

In addition to the general disclaimer for all documents on this website, please note the following: This advice was prepared to assist the Attorney-General to determine whether a

report should be made to Parliament under s 7 of the New Zealand Bill of Rights Act 1990 in relation to the Credit Reforms (Responsible Lending) Bill. It should not be used or acted upon for any other purpose. The advice does no more than assess whether the Bill complies with the minimum guarantees contained in the New Zealand Bill of Rights Act. The release

of this advice should not be taken to indicate that the Attorney-General agrees with all aspects of it, nor does its release constitute a general waiver of legal professional privilege in respect of this or any other matter. Whilst care has been taken to ensure that this document is an accurate reproduction of the advice provided to the Attorney-General, neither the Ministry of Justice nor the Crown Law Office accepts any liability for any errors or omissions.


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