OBS_VALUE: <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, No. 52, adopted 13.10.2003, with latest modification of 1 June 2020, Part 2 (subpart 6) and Part 5 and Subpart 6A - Provisions relating to debtors under high-cost consumer credit contracts)</a></li><li><a href=https://www.legislation.govt.nz/act/public/1989/0157/latest/whole.html#DLM200025 target=_blank>Reserve Bank of New Zealand Act 1989, Bank may require financial institution to supply information(Reserve Bank of New Zealand Act, No. 157,  adopted 20.12.1989, with latest modification of 31 August 2019, Section 36(2) - Bank may require financial institution to supply information.)</a></li><li><a href=https://comcom.govt.nz/consumers/dealing-with-typical-situations/borrowing-money-and-buying-on-credit/fees-a-lender-may-charge target=_blank>Commerce Commission New Zealand, Fees a lender may charge(Commerce Commission New Zealand, Fees a lender may charge, last accessed in June 2020)</a></li></ul>