Business Law Library & Tracker
Finance, Payments & Security
Credit, payment risk, security interests, insolvency triggers and regulated finance.
Sources last reviewed 17 Aug 2026
Main law guides
158
Acts, regulations and codes worth reading first
Topics
60
Plain-English clusters
Published case explainers
97
Selected cases with a business lesson
Tracked updates
11
New, amended & reviewed
Plain-English explainers, not legal advice. Use the linked official source for section-level detail, and get advice for your situation.
Get legal helpMain laws
Main lawNew Zealand
Anti-Money Laundering and Countering Financing of Terrorism Act 2009
2009 No 35
PriorityIn force4 practical checks · checked 13 June 2026
Finance, Payments & SecurityRegulatory ComplianceDirectors' Duties & GovernanceRecords, Reporting & Notifications
Main lawNew Zealand
Contracts of Insurance Act 2024
2024 No 46
PriorityStaged commencement4 practical checks · checked 13 June 2026
Contracts & CommercialFinance, Payments & SecurityFinancial Services, Credit & PaymentsInsurance Policies & Claims
Main lawNew Zealand
Credit Contracts and Consumer Finance Act 2003
2003 No 52
PriorityIn force4 practical checks · checked 13 June 2026
Finance, Payments & SecurityConsumer Law & TradingAdvertising, Marketing & PromotionsFinancial Services, Credit & Payments
Main lawNew Zealand
Customer and Product Data Act 2025
2025 No 14
PriorityIn force; sector duties depend on designation6 practical checks · checked 18 July 2026
Privacy & DataDigital & EcommerceFinance, Payments & SecurityLicences, Permits & RegistrationsDigital Identity & Electronic TransactionsStandards, Accreditation & CertificationConsumer Complaints & Dispute Resolution
Main lawNew Zealand
Financial Markets Conduct Act 2013
2013 No 69
PriorityIn force4 practical checks · checked 13 June 2026
Finance, Payments & SecurityCompanies & StartupsAdvertising, Marketing & Promotions
Main lawNew Zealand
KiwiSaver Act 2006
2006 No 40
PriorityIn force4 practical checks · checked 13 June 2026
Employment & WorkplaceFinance, Payments & SecurityWages, Leave & PayrollDirectors' Duties & GovernanceRecords, Reporting & Notifications
Main lawNew Zealand
Personal Property Securities Act 1999
1999 No 126
PriorityIn force4 practical checks · checked 13 June 2026
Finance, Payments & SecurityContracts & CommercialDebt Recovery, Guarantees & SecurityLicences, Permits & Registrations
Main lawNew Zealand
Receiverships Act 1993
1993 No 122
PriorityIn force4 practical checks · checked 13 June 2026
Insolvency & RestructuringFinance, Payments & SecurityDirectors' Duties & GovernanceFinancial Services, Credit & Payments
Main lawNew Zealand
Retail Payment System Act 2022
2022 No 21
PriorityIn force4 practical checks · checked 13 June 2026
Finance, Payments & SecurityDigital & EcommerceFinancial Services, Credit & PaymentsStandards, Accreditation & Certification
Main lawNew Zealand
Financial Service Providers (Registration and Dispute Resolution) Act 2008
2008 No 97
PriorityIn force8 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceLicences, Permits & RegistrationsDisputes, Enforcement & RemediesFinancial Services, Credit & PaymentsConsumer Complaints & Dispute Resolution
Main lawNew Zealand
Road User Charges Act 2012
2012 No 1
PriorityIn force10 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceDirectors' Duties & GovernanceLicences, Permits & RegistrationsRecords, Reporting & NotificationsTransport, Shipping & Logistics
Main lawNew Zealand
Deposit Takers Act 2023
2023 No 35
PriorityIn force15 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceDirectors' Duties & GovernanceLiquidation & RestructuringLicences, Permits & RegistrationsDisputes, Enforcement & RemediesFinancial Services, Credit & PaymentsStandards, Accreditation & Certification
Main lawNew Zealand
Overseas Investment Act 2005
2005 No 82
PriorityIn force8 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceRecords, Reporting & NotificationsImport, Export, Sanctions & Customs
Main lawNew Zealand
Natural Hazards Insurance Act 2023
2023 No 1
PriorityIn force8 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceWorkplace Health & SafetyRecords, Reporting & NotificationsDisputes, Enforcement & RemediesFinancial Services, Credit & PaymentsInsurance Policies & ClaimsNatural Hazards, Climate & Resilience
Main lawNew Zealand
Tariff Act 1988
1988 No 155
PriorityIn force9 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceImport, Export, Sanctions & Customs
Main lawNew Zealand
Insurance Intermediaries Act 1994
1994 No 41
PriorityIn force8 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceLiquidation & RestructuringLicences, Permits & RegistrationsRecords, Reporting & NotificationsFinancial Services, Credit & PaymentsInsurance Policies & ClaimsTelecommunications, Media & Content
Main lawNew Zealand
Bills of Exchange Act 1908
1908 No 15
PriorityIn force7 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory Compliance
Main lawNew Zealand
Insurance Law Reform Act 1985
1985 No 117
PriorityIn force5 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceDebt Recovery, Guarantees & SecurityFinancial Services, Credit & PaymentsInsurance Policies & Claims
Main lawNew Zealand
Marine Insurance Act 1908
1908 No 112
PriorityIn force8 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceFinancial Services, Credit & PaymentsInsurance Policies & ClaimsTransport, Shipping & LogisticsImport, Export, Sanctions & CustomsTelecommunications, Media & Content
Main lawNew Zealand
Valuers Act 1948
1948 No 63
PriorityIn force7 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory ComplianceDirectors' Duties & GovernanceAdvertising, Marketing & PromotionsLicences, Permits & RegistrationsDisputes, Enforcement & RemediesWorkplace Investigations & Misconduct
Main lawNew Zealand
Unclaimed Money Act 1971
1971 No 28
PriorityIn force7 practical checks · checked 28 July 2026
Finance, Payments & SecurityRegulatory Compliance
Tracker
- New13 June 2026
Contracts of Insurance Act 2024 added as a staged reform
Businesses should review proposal forms, renewal checklists, broker instructions and policy exclusions before relying on insurance wording after a claim.
Contracts & CommercialFinance, Payments & Security - New13 June 2026
Retail payment system rules added for merchants and platforms
Merchants and platforms should understand who controls fees, refunds, settlement timing and customer payment wording.
Finance, Payments & SecurityDigital & Ecommerce
Cases
Supreme Court of New Zealand[2017] NZSC 7826 May 2017
McIntosh v Fisk
Money received before a collapse is not automatically safe. Liquidators may distinguish between value genuinely supplied and apparent profit generated only by an...
Insolvency & RestructuringFinance, Payments & SecurityDismissal, Redundancy & GrievancesLiquidation & Restructuring
Supreme Court of New Zealand[2015] NZSC 718 Feb 2015
Allied Concrete Ltd v Meltzer
If a customer is in financial trouble, getting paid is not always the end of the story. Suppliers should keep evidence of ordinary trading, value given and what...
Insolvency & RestructuringFinance, Payments & SecurityLiquidation & RestructuringImport, Export, Sanctions & Customs
Supreme Court of New Zealand[2015] NZSC 5912 May 2015
New Zealand Fire Service Commission v Insurance Brokers Association of New Zealand Incorporated & Vero New Zealand Limited
Do not assume a levy or similar statutory charge will always track the way your insurance programme is packaged. In this case, the Supreme Court focused closely on...
Finance, Payments & SecurityFinancial Services, Credit & PaymentsCharities, Clubs & Member GovernanceInsurance Policies & ClaimsTransport, Shipping & Logistics