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Public Acts

This page lists all of the public Acts that provide us with our powers and responsibilities.

Deposit Takers Act 2023

This Act provides for the licensing, regulation, and prudential supervision of banks and other persons in the business of borrowing and lending money from 1 December 2028.

Deposit Takers Act 2023 | legislation.govt.nz


Reserve Bank of New Zealand Act 2021

This Act sets out our governing arrangements as well as our objectives and functions, including as the central bank for New Zealand and as a prudential regulator and supervisor under prudential legislation.

Reserve Bank of New Zealand Act 2021 | legislation.govt.nz

Read our overview of the Reserve Bank of New Zealand Act 2021


Financial Market Infrastructures Act 2021

This Act is about the regulation of financial market infrastructures (such as payment systems, central securities depositories, securities settlement systems, central counterparties, and trade repositories). 

Financial Market Infrastructures Act 2021 | legislation.govt.nz


Non-bank Deposit Takers Act 2013

This Act sets out our function to act as the prudential regulator and licensing authority for non-bank deposit takers (NBDTs).

Non-bank Deposit Takers Act 2013 | legislation.govt.nz


Insurance (Prudential Supervision) Act 2010

This Act provides for the licensing, prudential regulation, and prudential supervision of insurers. 

Insurance (Prudential Supervision) Act 2010 | legislation.govt.nz


Anti-Money Laundering and Countering Financing of Terrorism Act 2009

Also known as the AML/CFT Act, one of the purposes of this Act is to detect and deter money laundering and the financing of terrorism. We are the AML/CFT supervisor for:

  • registered banks
  • life insurers
  • non-bank deposit takers.

We have functions, duties, and powers under that Act.

Anti-Money Laundering and Countering Financing of Terrorism Act 2009 | legislation.govt.nz


Banking (Prudential Supervision) Act 1989

This Act provides for the registration and prudential supervision of banks until 31 November 2028.

Banking (Prudential Supervision) Act 1989 | legislation.govt.nz


Decimal Currency Act 1964

This Act provides for a system of decimal currency, and to make provision with respect to coinage and legal tender.

Decimal Currency Act 1964 | legislation.govt.nz