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Our relationship charter with regulated entities

Our relationship charter sets out how we build and maintain relationships with the entities we regulate.

About the charter

Our relationship charter sets out principles for maintaining the best regulator-regulated relationships possible. It commits Te Pūtea Matua and the financial sector to a mutual understanding of appropriate conduct and culture.

The charter is underpinned by the principle of te whakatōpū — to bring together, consolidate, and combine our efforts.

The charter was introduced to banks in 2018 and to insurers in 2021. We are progressively discussing it with non-bank deposit takers and other regulated entities.

What the charter aims to do

We aspire to build and maintain the best regulator/regulated supervisory relationships possible with all our regulated entities.

This charter represents a mutual undertaking of how the parties will work together to achieve this aspiration. We will regularly measure our performance against the commitments set out below and share the lessons.

Our mutual commitments

Our behaviours will be:


We state our position openly, constructively, freely and frankly.

Achievement focused

We work together to achieve sound and efficient outcomes.


We provide clear expectations and deliver on them.


We seek each other’s perspective constructively and understand it.


Disagreements can happen on issues, not people.

Our communication will be:


Easy to understand, with decisions explained.


Made to the right people in governance and management


One organisation, one message, one tone


Our communication will have no surprises.

We build our relationships on mutual respect, ethical behaviour, and te whakatōpū — bringing together, consolidating, and combining our efforts.

Download our relationship charter (PDF, 68KB)

Our performance against the charter

We measure our performance against the charter through an annual survey of regulated entities and publish the results here for transparency.