dtr happy about Responsible Lending Guide - May 2011

Mark Spring May 12, 2011 : 0

Just over a week ago, The Financial Services Federation launched Responsible Lending Guidelines to improve consumer protection, raise standards across the consumer credit industry, and deliver better outcomes for borrowers and lenders.

As Girol Karacoaglu, Chair of the Financial Services Federation, says: “Consumers may need access to credit for any number of reasons, and the non-bank financial sector plays a key role in meeting thatneed. What’s important is that the lending process is fair and transparent, so that there is a clear understanding among both borrowers and lenders about what everyone’s rights and obligations are.”

The guidelines have been developed by the Financial Services Federation with the assistance of a variety of stakeholders including the NZ Federation of Budgeting Services, Consumer NZ, the Families Commission DebtWorking Group, the Retirement Commissioner, and officials from the Ministry of Consumer Affairs, and the Ministry of Social Development.

As a member of the Federation, we are proud to say that dtr was involved and supportive of the move from the very start. I was quoted in the media as saying that the guidelines were “written with consumers in mind and, as such, they are about improving fairness and transparency without imposing unnecessary bureaucracy on anybody.” And that, “when the sector’s operating well it’s sustainable and from a member perspective that’s good for all of us.”

I’m delighted that steps are being taken to make the finance sector more transparent as it helps build relationships with important entities like budgetary advisory services. As a retailer and a finance company, we have a responsibility to assess the needs and requirements of every customer that walks in the door. It’s something we at dtr take very seriously and the Responsible Lending Guidelines are just the start of it.

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