We take what we learn from serving individual clients into the broader social policy arena, and to use it to advocate for socially just policies and services in Aotearoa New Zealand. We do this both proactively and in response to consultations from government.
Some of the issues we are currently focused on include:
- better security of tenure for renters;
- better quality rental housing;
- employment agreements for all;
- adequate supply of decent emergency accommodation
Some of our recent submissions include :
You can read older submissions on our archived submissions page.
CABNZ submission on Consultation Paper New Financial Advice Regime (March 2017)
We made a brief submission to MBIE on the draft Financial Services Legislation Amendment Bill and Proposed Transitional Arrangements. We recommended that the draft Bill be amended to strengthen the obligation of financial advisers to put clients’ interests first. We also questioned the length of the proposed transition period from the old regime to the new one and recommended that the transitional arrangements include a campaign to make consumers aware that the new regime does not fully take effect until the transitional period is over, and to provide them with a list of key questions to put to advisers during the transition period.
Submission on Proposals for Modernising the Tax Administration Act (February 2017)
This is our fourth submission on Inland Revenue’s extensive Making Tax Simpler project and focuses mainly on the issues of data-collection and sharing. Citing the four Principles which were identified by the New Zealand Data Futures Forum to be the basis for a trusted data-use environment - Value, Inclusion, Trust and Control - we encourage Inland Revenue to assess all of its proposals to increase data collection and/or sharing against these four Principles.
We express our concern that the recent initiative by the Ministry of Social Development to collect Individual Client Level Data through contracts with NGOs seems to run counter to these Principles, and creates an environment that could be seen as coercive, rather than facilitating trust and informed consent.
We highlight the urgent need for clear standards and guidelines which will ensure that the Data Futures Forum Principles are adhered to by all government agencies.
Submission on Section 99(1A) of the Credit Contracts and Consumer Finance Act 2003 (November 2016)
We made a submission on a proposal to amend the consequences for lenders making inadequate disclosure under the Credit Contracts and Consumer Finance Act. The proposal would have the impact of reducing the financial liability for lenders who don’t comply with the minimum disclosure requirements relating to their lending. We argued that there was insufficient evidence to support a proposal which would effectively reduce consumer protection by weakening the incentives for lenders to comply with the law.
Submission on Review of Class 4 gambling
In this submission we challenge New Zealand’s model of funding community groups from the proceeds of gambling. We recommend that the Department of Internal Affairs widen the terms of reference of the current review of Class 4 gambling to include:
- consideration of whether the practice of funding community groups from the proceeds of Class 4 gambling is fit-for-purpose
- an in-depth investigation of other models for funding our community sector, with a view to identifying those that are both sustainable and ethically sound
Submission on Incorporated Societies Bill (June 2016)
The Incorporated Societies Act 1908 is more than 100 years old and needs updating to be relevant and useful for groups using this legal structure in today’s conditions. This is very relevant for the CAB as an organisation that is made up of independent incorporated societies, each being members of CABNZ, which is also an incorporated society.
In this submission we make the following key points:
- The revised Act must be sufficiently flexible to support the diversity of ways different societies operate.
- The revised Act needs to be easy to read and understand.
- The sector is likely to need support to implement changes required by this legislation. We recommend that, alongside the work being done on the legislation, consideration be given to how societies can best be supported to run as effectively as possible.
- We support the requirement that an incorporated society’s constitution include mechanisms for resolving problems and disputes within the society but it is important that the legislation allow for the detail of these procedures to be held outside the constitution to ensure that entities are able to establish policies to address the specifics of their structure.
- When disputes are not able to be resolved internally we do not think the courts are the appropriate mechanism, as a next step, for enforcing a society’s constitution or resolving disputes. We would like to see something akin to the services available in the employment area, such as a free mediation service for disputes or grievances involving members of an incorporated society, or between members and the society.
Please note, whatever the final form of the Incorporated Societies Act, there is a very lengthy implementation timeframe:
- A revised Bill based on submissions received will be introduced into Parliament in 2017.
- After the new Bill is passed, it is intended that current incorporated societies will have up to four years to amend their rules to ensure they comply with the requirements of the new Act.
- It will be at least four years from the date of enactment before the new Act is fully brought into effect. This may well be in 2022
Submission on Healthy Homes Guarantee Bill (June 2016)
We see this Bill as an opportunity to further improve living conditions and security of tenure for the growing number of renters in New Zealand. We argue for a comprehensive warrant of fitness regime for rental homes and the establishment of an independent agency to monitor and enforce standards of habitation. We also call for the removal of the option for a landlord to give a tenant 42 days’ notice.
Submission on Options Paper: Review of the Financial Advisers Act 2008 and the Financial Service Providers (Registration and Dispute Resolution) Act 2008 (February 2016)
In this submission we argue for much higher ethical and competency standards for the group currently known as Registered Financial Advisers (RFA’s).
We also reiterate the recommendations we made in our submission of 22 July 2015:
- a clear distinction between sales and advice;
- a ban on commissions and other forms of conflicted remuneration;
- less emphasis on disclosure as a key means of consumer protection;
- the establishment of one neutral disputes resolution body to deal with all disputes between consumers and Financial Service Providers.
Submission on Making Tax Simpler discussion papers (February 2016)
This submission is made in response to two consultations from Inland Revenue on the on-going Tax Simplification project:
- Making Tax Simpler – better administration of PAYE and GST
- Making Tax Simpler – towards a New Tax Administration Act
We highlighted the issue of employees discovering that their employer has not been making PAYE deductions and recommended that employers be required by law to issue payslips.
We made comment on the proposal to send taxpayers pre-populated returns, stressing the need for it to be easy to amend the pre-populated information and to communicate with IR to discuss the information.
In addition, we reiterated points previously made about clients at risk of digital exclusion and the need for a robust process for putting things right, when they go wrong.
Submission on the Residential Tenancies Amendment Bill (January 2016)
In this submission we hold that good quality rental housing and secure tenancies are cornerstones of a fair and well-balanced rental market. We support the measures in the Bill to require landlords to install smoke alarms and insulation and argue for a warrant of fitness as the best means of enforcement.
We also support the strengthened provisions to discourage retaliatory terminations proposed in the Bill as well as the move to increase the powers of the Chief Executive of MBIE to take action in cases of breaches of the Residential Tenancies Act (RTA).
Finally, based on what our enquiries are revealing, we ask the Committee to consider amending the RTA to remove the option for a landlord to give 42 days’ notice in certain circumstances.