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March 2025

Privacy & confidentiality

Banks have a legal duty to protect the confidentiality of existing and former customers. Banks also have obligations under the Privacy Act 2…

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December 2024

Financial abuse of the elderly

Financial abuse can take the form of:

misusing or stealing from the bank accounts of those in their care
pressuring a person to sign a lega…

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July 2021

Anti-money laundering - changes to banking

The Anti-Money Laundering and Countering the Financing of Terrorism Act 2009 obliges New Zealand’s financial institutions and businesses to …

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August 2024

Credit laws and banking

Banks' obligationsConsumer credit contracts legislation covers most of the lending-related complaints we investigate. A consumer credit cont…

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December 2024

Retaining personal information

The Reserve Bank of New Zealand Act 1989 requires banks to keep certain transaction information about deposits and withdrawals for seven yea…

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December 2024

Insurance policies

Some banks sell policies provided by their own insurance divisions, and other banks sell policies supplied by separate companies. We can con…

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July 2021

Overdue council rates

Two pieces of legislation deal with Council rates:

The Local Government (Rating) Act 2002, obliges property owners to pay their rates.  It …

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December 2024

Powers of attorney

A power of attorney is an authority given by one person (the donor) to another person (the attorney) to act on his or her behalf. This autho…

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July 2021

Buying a home

Lending restrictionsThe Reserve Bank’s loan-to-value ratio restrictions mean borrowers must generally have a deposit of at least 20 per cent…

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