<ul><li><a href=http://www.legislation.govt.nz/act/public/2003/0052/latest/DLM211512.html target=_blank>Credit Contracts and Consumer Finance Act 2003(Credit Contracts and Consumer Finance Act, adopted 13.10.2003, with  latest modifications of 01.06.2020.)</a></li><li><a href=https://www.paymentsnz.co.nz/our-work/our-payment-systems/consumer-electronic-clearing-system/ target=_blank>Payments NZ, Consumer Electronic Clearing System(Payments NZ, Consumer Electronic Clearing System (CECS), last accessed in August 2020)</a></li></ul>