> download Submission to theResponsible Lending Code (RLC) (PDF, 256KB)
Generally, we are very supportive of the development of this RLC. The Salvation Army has tried to consistently engage with government in the progression of the Credit Contracts and Consumer Finance Amendment Act 2014 (the CCCFA).
We have tried to present oral and written submissions throughout the development of this legislation that is informed by our front-line budgeters and community workers. We have done this because we believe it is essential that important policy such as this should not just be developed in isolation from real-world situations facing New Zealanders.
Policy development needs to be balanced between rigorous analysis, and injecting real life experiences into the process.