We regularly make submissions to Government and statutory authorities on a range of consumer-related issues.
2025 submissions
Submission on Improving Power Bills (231 KB) November 2025
Submission on Consumer NZ Petition Calling for a Mandatory Supermarket Pricing Accuracy Code (114 KB) October 2025
Submission on Retail Payment System (Ban on Merchant Surcharges) Amendment Bill (157 KB) October 2025
Submission on Proposals for an Electricity Sector Consumer Data Right (251 KB) September 2025
Submission on Amendments to the Fair Trading Act 1986 - Targeted Consultation Paper (125 KB) August 2025
Submission on Exposure Draft Customer and Product Data (General Requirements) Regulations 2025 (64 KB) August 2025
Submission on Exposure Draft Customer and Product Data (Banking and Deposit Taking) Regulations 2025 (66.7 KB) August 2025
Submission on Evolving Multiple Retailing and Switching (140 KB) July 2025
Submission on Gas DPP4 Issues Paper (131 KB) July 2025
Submission on the Review of the Grocery Supply Code (49 KB) July 2025
Submission on Regulatory Standards Bill (92.6 KB) June 2025
Submission on Green Paper: Working Together to Ensure Our Electricity System Meets the Future Needs of All New Zealanders (96.1 KB) June 2025
Submission on Credit Contracts and Consumer Finance Amendment Bill (67.9 KB) June 2025
Submission on Financial Service Providers (Registration and Dispute Resolution) Amendment Bill (80.7 KB) June 2025
Submission on Financial Markets Conduct Amendment Bill (78.6 KB) June 2025
Submission on Access to Basic Transaction Accounts Issues Paper (87.3 KB) June 2025
Submission on Level Playing Field Measures (170 KB) May 2025
Submission on the Taxation Treatment of Amounts Paid to Households Selling Excess Electricity (89.9 KB) May 2025
Submission on Improving Retail Service Quality: Switching - Issues Paper (73.9 KB) May 2025
Submission on Targeted consultation on the Contracts of Insurance Act 2024 (43.9 KB) April 2025
Submission on the Consumer Guarantees (Right to Repair) Amendment Bill (76.6 KB) April 2025
Submission on 'Taxation and the not-for-profit sector' issues paper (69 KB) March 2025
Submission on Draft Biometric Processing Privacy Code (56.2 KB) March 2025
Submission on Retail Payment System – Interchange fee regulation for Mastercard and Visa networks – Draft decision and reasons paper (206 KB) March 2025
Submission on draft Consumer Complaints Disclosure Standard and draft Reasons Paper (59.1 KB) February 2025
Submission on Promoting competition in New Zealand – A targeted review of the Commerce Act 1986 (95.6 KB) February 2025
Previous years
2024 submissions
Submission on proposed changes to the Banking Ombudsman Scheme’s Terms of Reference (89.4 KB) December 2024
Submission on Draft Broadband Marketing Guidelines 2024 (36.3 KB) November 2024
Submission on Energy competition task force – request for level playing field measures (192 KB) November 2024
Submission on Consumer NZ Petition to require product repairability labels (39.2 KB) September 2024
Submission on Customer and Product Data Bill (124 KB) September 2024
Submission on the Commerce Commission’s ‘Retail Payment System – Costs to businesses and consumers of card payments in Aotearoa New Zealand (60.2 KB) September 2024
Submission on New Zealand Skin Cancer Primary Prevention and Early Detection Strategy (72.7 KB) August 2024
Submission on DPP4 Draft Decision (123 KB) July 2024
Submission on discussion document: Effective financial dispute resolution (267 KB) June 2024
Submission on discussion document: Fit for purpose consumer credit legislation (306 KB) June 2024
Submission on Contracts of Insurance Bill (69.1 KB) May 2024
Submission on Exposure draft of a Biometric Processing Code of Practice (64.3 KB) May 2024
Submission on Credit Contracts and Consumer Finance Act Amendment Regulations (No 2) 2024 (47.1 KB) May 2024
Submission on the Personal Banking Services Market Study - Draft Report (174 KB) April 2024
Submission on Options to Support Consumer Plan Comparison and Switching (303 KB) March 2024
Submission on Fair Outcomes for Consumers and Markets (166 KB) March 2024
Submission on Improving Retail Market Monitoring (264 KB) February 2024
2023 submissions
Submission on Review of the Retirement Villages Act 2003 (447 KB) November 2023
Submission on the Ministry of Business, Innovation and Employment’s “Gas Transition Plan Issues Paper” (52.8 KB) November 2023
Submission on Draft Product Disclosure Retail Service Bundling Guidelines (76.7 KB) October 2023
Submission on the Residential Property Managers Bill (55.8 KB) October 2023
Submission on the Electricity Authority Te Mana Hiko’s “Options to update and strengthen the Consumer Care Guidelines” Consultation Paper (152 KB) October 2023
Submission on the Commerce Commission’s ‘Retail Payment System – Payments Between Bank Accounts – Request for views’ paper (434 KB) September 2023
Submission on Fair Trading (Gift Card Expiry) Amendment Bill (50.6 KB) September 2023
Submission on Market study into personal banking services: preliminary issues paper (333 KB) September 2023
Submission on P1049 Carbohydrate and sugar claims on alcoholic beverages (57.7 KB) September 2023
Submission on A potential biometrics code of practice: discussion (170 KB) August 2023
Submission on ‘Safer Online Services and Media Platforms’ Discussion Document (37.7 KB) July 2023
Submission on ‘Unlocking value from our consumer data’ discussion document (380 KB) July 2023
Submission on Exposure Draft Grocery Supply Code of Conduct Consultation Paper (38.5 KB) July 2023
Submission on ‘Proposed Amendments to the Land Transport Rule: Vehicle Exhaust Emissions 2007’ Consultation (45.2 KB) June 2023
Submission on the Commerce Commission’s 111 Contact Code Review (54.5 KB) June 2023
Submission on the exposure draft of the Consumer Information Standards (Unit Pricing for Grocery Products) Regulations 2023 (226 KB) May 2023
Submission on the Copper Withdrawal Code Review (93 KB) May 2023
Submission on the New Zealand Telecommunications Forum Inc’s Telecommunications Dispute Resolution Scheme Review (87.1 KB) April 2023
Submission on Therapeutic Products Bill (78.1 KB) March 2023
Submission on Improving Retail Service Quality - Customer Service - Consultation Paper (47.7 KB) March 2023
Submission on Buy Now Pay Later: Draft Credit Contracts and Consumer Finance Amendment Regulations 2022 (186 KB) March 2023
Submission on Water Services Economic Efficiency and Consumer Protection Bill (35.6 KB) February 2023
Submission on Grocery Industry Competition Bill (37.7 KB) January 2023
2022 submissions
Submission on Improving Retail Service Quality: Product Disclosure – Emerging Views Paper (63.1 KB) December 2022
Submission on Deposit Takers Bill (49.5 KB) November 2022
Submission on Exposure draft regulations on sales incentives under new conduct regime (158 KB) November 2022
Submission on the New Zealand Telecommunications Forum’s “Scam Prevention Code” (96 KB) October 2022
Submission on Privacy Regulation of Biometrics in Aotearoa New Zealand Consultation Paper (130 KB) September 2022
Submission on Consumer Remediation Guidance for Businesses (42.6 KB) September 2022
Submission on "residential building supplies market study: draft report September 2022
Submission on the Discussion Document for the Independent Review of Lawyers and Legal Services in Aotearoa New Zealand (67.4 KB) August 2022
Submission on Children and Young Person's Code Review (281 KB) August 2022
Submission on grocery code of conduct consultation paper (141 KB) August 2022
Feedback on Open Letter about Increasing Consumer Awareness of TDRS Non-Membership (36.5 KB) August 2022
Submission on Petition of Retirement Village Residents Association of New Zealand: Address the imbalance between retirement village residents and operators (49.7 KB) August 2022
Mandatory unit pricing (65 KB) July 2022
Real Estate Authority’s Fit and Proper Guidance Consultation (64.4 KB) June 2022
Exposure draft of updated Credit Contracts and Consumer Finance Regulations 2004 and Responsible Lending Code (187 KB) May 2022
Submission on Commerce (Grocery Sector Covenants) Amendment Bill (52.2 KB) May 2022
Exposure draft Insurance Contracts Bill (266 KB) May 2022
Regulation of Residential Property Managers (667 KB)
April 2022Future of Money: Cash System Redesign (179 KB)
March 2022
2021 submissions
Economic Regulation and Consumer Protection for Three Waters Services in New Zealand - Discussion Paper (352 KB) December 2021
Buy-Now, Pay-Later Discussion Document (694 KB) December 2021
Submission on Civil Aviation Bill (128 KB) December 2021
Class Action and Litigation Funding - supplementary issues paper submission (127 KB) November 2021
Market study into the retail grocery sector: Draft report (134 KB) November 2021
Draft report to the New Zealand Telecommunications Forum Inc (TCF) on recommendations for improvements to the TDRS (134 KB) September 2021
Marketing of alternative services to consumers during copper/PSTN withdrawal” open letter (116 KB) August 2021
Market study into the retail grocery sector: Draft report (227 KB) August 2021
Improving Access to Civil Justice (142 KB) July 2021
Regulations to support the new regime for the conduct of financial institutions (177 KB) June 2021
Treatment of intermediaries under the new regime for the conduct of financial institutions (89.4 KB) June 2021
Sunscreen (Product Safety Standard) Bill (104 KB) May 2021
Review of the Approved Financial Dispute Resolution Scheme Rules (362 KB) May 2021
Commerce Amendment Bill (91.2 KB) May 2021
Climate Change Commission’s 2021 Draft Advice for Consultation (229 KB) March 2021
Class Actions and Litigation Funding Issues Paper (215 KB) March 2021
Regulating to reduce Merchant Service Fees (295 KB) February 2021
Review of the Commerce Commission’s funding for the regulation of electricity, gas, telecommunications and fibre (64.7 KB) February 2021
Retirement villages legislative framework: Assessment and options for change 2020 (129 KB) February 2021
Market study into the retail grocery sector: Preliminary issues paper (474 KB) February 2021
Aspirations for the food regulatory system (15 KB) January 2021
2020 submissions
"Proposed guidance on KiwiSaver fees and value for money” Consultation Paper (229 KB) December 2020
Consumer care guidelines (575 KB) December 2020
Guidelines for improving consumer awareness of Utilities Disputes and Powerswitch (176 KB) November 2020
Death, funerals, burial and cremation: a review of the Burial and Cremation Act 1964 and related legislations (208 KB) October 2020
Options for establishing a consumer data right in New Zealand (167 KB) October 2020
Proposed standard conditions for financial advice provider full licences and classes of financial adviser service (42.2 KB) August 2020
Draft 111 Contact Code and Draft Copper Withdrawal Code (44.2 KB) August 2020
Letter to the Minister of Food Safety - Health Star Rating System Five Year Review (166 KB) July 2020
Implementation of changes resulting from the Health Star Rating System Five Year Review (67.8 KB) June 2020
Complaint under the Fair Trading Act: Air New Zealand and consumers’ rights to refunds (183 KB) May 2020
Organic Products Bill (102 KB) May 2020
Fair Trading Amendment Bill (105 KB) March 2020
Financial Markets (Conduct of Institutions) Amendment Bill (130 KB) March 2020
Residential Tenancies Amendment Bill (79.4 KB) March 2020
Raising awareness of Utilities Disputes and Powerswitch services (159 KB) March 2020
Consumer Information Standards (Origin of Food) Regulations 2019 (96.9 KB) February 2020
Credit Contracts and Consumer Finance Amendment Regulations 2020 (110 KB) February 2020
2019 submissions
Folic Acid Fortification (45.9 KB) November 2019
Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations (213 KB) November 2019
Proposed priority products and priority product stewardship scheme guidelines (53.7 KB) October 2019
Pregnancy warning labels on alcoholic beverages (147 KB) October 2019
Review of the KiwiSaver Default Provider Arrangements (377 KB) September 2019
Phase 2 of the Reserve Bank Act Review (34.3 KB) August 2019
Consumer Information Standard to implement Consumers' Right to Know (Country of Origin of Food) Act 2018 (270 KB) July 2019
Civil Aviation Bill exposure draft (378 KB) July 2019
Insurance Contract Law Options Paper (662 KB) June 2019
Building system legislative reform (53.5 KB) June 2019
Credit Contracts Legislation Amendment Bill (351 KB) June 2019
Conduct of Financial Institutions (51.5 KB) June 2019
Charities Act (190 KB) May 2019
Land Transport (Wheel Clamping) Amendment Bill (514 KB) May 2019
Therapeutic Products Bill (1.29 MB) April 2019
Ticket reselling in New Zealand (451 KB) April 2019
Section 36 of the Commerce Act - Misuse of market power (47.1 KB) March 2019
Electricity Price Review: Options Paper (156 KB) March 2019
Protecting businesses and consumers from unfair commercial practices (46 KB) February 2019
Reserve Bank Act (34.5 KB) January 2019
2018 submissions
Electricity Price Review (7.92 MB) October 2018
Healthy Homes Standards (49.9 KB) October 2018
Reform of the Residential Tenancies Act 1986 (60.6 KB) October 2018
Advertising of antibiotic-based restricted veterinary medicines (41.1 KB) September 2018
Proposed mandatory phase out of single-use plastic shopping bags (46.2 KB) September 2018
Manuka honey sold in New Zealand: Is further regulation needed? (39.7 KB) September 2018
Proposed amendments to Credit Reporting Privacy Code (94.9 KB) August 2018
Review of consumer credit regulation (1.72 MB) August 2018
Review of Insurance Contract Law Issues Paper (1.04 MB) July 2018
Consumers’ Right to Know (Country of Origin of Food) Bill (793 KB) July 2018
Briefing from the Reserve Bank and FMA on the outcomes of the Australian Royal Commission into banking (204 KB) July 2018
Pregnancy warning labels on packaged alcoholic beverages (177 KB) June 2018
Organic regulation (311 KB) June 2018
Privacy Bill (355 KB) May 2018
Residential Tenancies (Prohibiting Letting Fees) Amendment Bill (141 KB) May 2018
‘As prepared’ rules for the Health Star Rating system (95.7 KB) April 2018
Labelling of Fats and Oils (302 KB) April 2018
Utilities Disputes Review (262 KB) April 2018
Fair Insurance Code Review (317 KB) March 2018
Advertising Standards Code (277 KB) March 2018
Financial Services Legislation Amendment Bill (287 KB) February 2018
Telecommunications (New Regulatory Framework) Amendment Bill (168 KB) January 2018
2017 submissions
Button Battery Product Safety (177 KB) October 2017
Energy Labelling of Alcoholic Beverages (37 KB) August 2017
Draft Code of Banking Practice (36.9 KB) July 2017
Corporate Insolvency Law Report No. 2 (840 KB) June 2017
Consumers' Right to Know (Country of Origin of Food) Bill (1020 KB) June 2017
New Financial Advice Regime (232 KB) March 2017
Managing Microbeads in Personal Care Products (712 KB) February 2017
Retail Payment Systems (382 KB) January 2017
New Pricing Options for Electricity Distributors (453 KB) January 2017
2016 submissions
Section 99(1A) of the Credit Contracts and Consumer Finance Act 2003 (247 KB) December 2016
Review of the Customer Compensation Scheme (230 KB) November 2016
Consumer Credit Fees Guidelines (204 KB) October 2016
Reorienting Advisory Groups (221 KB) September 2016
Telecommunications Act Review (411 KB) September 2016
Targeted Review of the Commerce Act 1986 (412 KB) July 2016
Information Disclosure Regulations for Third-party Fundraisers (487 KB) April 2016
Review of the Code for Advertising to Children (484 KB) April 2016
Review of Mandatory Labelling of Irradiated Food (258 KB) March 2016
Financial Advisers Act Review - Part 1 & 2 (451 KB) February 2016
Reducing harm from commercial sunbeds (244 KB) February 2016
Proposed regulations for insulation and smoke alarms (500 KB) February 2016
Targeted Review of the Commerce Act 1986 (425 KB) February 2016
Distribution Pricing Review (653 KB) February 2016
Financial Advisers Act Review - Part 3 (224 KB) January 2016
2015 submissions
EQC Review (462 KB) September 2015
Electricity Authority Retail Data Project (290 KB) August 2015
Draft Code for Therapeutic and Health Advertising (589 KB) August 2015
Financial Advisers Act Review (294 KB) July 2015
Children’s Nightwear Regulations (163 KB) June 2015
Making Tax Simpler (138 KB) May 2015
Health (Protection) Amendment Bill (2.12 MB) February 2015
2014 submissions
The Draft Responsible Lending Code (183 KB) December 2014
Proposal P1034 – Chemical Migration from Packaging into Food (183 KB) December 2014
Credit-related Disclosure and Rebate regulations (151 KB) December 2014
Proposal P1030 – Health Claims – Formulated Supplementary Sports Foods & Electrolyte Drinks (118 KB) September 2014
Review of the Occupational Regulation of Valuers (152 KB) September 2014
Disclosure and dispute resolution scheme requirements in relation to securitisation - potential exemptions (93.6 KB) September 2014
Responsible Lending Code (201 KB) August 2014
Revised Mobile Messaging Code (109 KB) July 2014
Priority Waste Streams for Product Stewardship Intervention (578 KB) June 2014
Uninvited Direct Sales - potential exemptions (61.5 KB) May 2014
Land Transport Rule: Light Vehicle Brakes Amendment 2014 (116 KB) April 2014
Fair Insurance Code Review (240 KB) February 2014
2013 submissions
ACC Levy Consultation 2014/15 (84.4 KB) October 2013
Code of Professional Conduct for Authorised Financial Advisers (276 KB) September 2013
Copyright (Parallel Importing of Films) Amendment Bill (80.6 KB) August 2013
TCF Broadband Product Disclosure Code (146 KB) June 2013
Vehicle Standards Compliance Amendment (No 2) 2013) (102 KB) June 2013
Open Bank Resolution Pre-positioning Requirements Policy (175 KB) April 2013
Review of Ban on Parallel Importation of Films (83.3 KB) April 2013
Standards and Conformance Infrastructure Review (245 KB) April 2013
Land Transport (Road User) Amendment Rule 2013 Rule 61001/8 (77.1 KB) April 2013
Investor Education Framework and Action Plan (305 KB) January 2013
2012 submissions
KiwiSaver (Periodic Disclosure) Regulations 2012 (136 KB) November 2012
Vehicle Licensing Reform (99.6 KB) October 2012
Standards (75.7 KB) July 2012
Mandatory Fortification of Bread with Folic Acid Food Standard 2007 (210 KB) July 2012
EGC Jurisdiction (56.3 KB) June 2012
Building Act Amendment Bill (No 4) (118 KB) June 2012
Draft Credit Contracts and Consumer Finance Bill (145 KB) May 2012
Consumer Law Reform Bill (202 KB) March 2012
P293 - Nutrition, Health and Related Claims (290 KB) March 2012
Effective Disclosure FMA (299 KB) March 2012
Proposals to Amend the Dairy Industry Restructuring Act (80.3 KB) February 2012
2011 submissions
NZAS Inquiry into Ethical Rules re Audiologists (77.9 KB) September 2011
Milk Price Inquiry (145 KB) September 2011
Review of the Credit (Repossession) Act 1997 (197 KB) August 2011
Food Labelling Review (74.3 KB) August 2011
Advanced Metering Infrastructure (67.2 KB) June 2011
Telecommunications Carriers' Forum Customer Complaints Code (142 KB) February 2011
Customer Compensation Scheme - Mandatory Default Arrangement (134 KB) January 2011