Financial Service Providers Register (FSPR) Compliance with the new Acts <ul><li>New Legislation – Do you need to register...
New Legislation <ul><li>Why? </li></ul><ul><ul><li>To address consumer and government concerns about the financial industr...
What are the benefits of the new regime? <ul><li>Good for business and competition </li></ul><ul><ul><li>Transparency and ...
What is the FSPR? <ul><li>A public, searchable register of financial service providers who operate in NZ. Examples are: </...
 
Who is behind the FSPR? <ul><li>The New Zealand Companies Office   </li></ul><ul><ul><li>Maintenance of the electronic Reg...
What are common financial services? <ul><li>Mortgages, saving and cheque accounts, and loans </li></ul><ul><ul><li>Service...
Examples of common financial service providers <ul><li>Building Societies </li></ul><ul><li>Credit Providers </li></ul><ul...
Application for  FSP Registration  Criminal History Check  by Ministry of Justice FSP Registration  Complete Join a  Dispu...
FSPR Individual Applications <ul><li>Full legal name and any other names (formerly known by) including previous names </li...
FSPR Business Applications <ul><li>Business name </li></ul><ul><li>Trading name(s) if different </li></ul><ul><li>Business...
All FSPR applications must include: <ul><li>Postal and email address for communication  </li></ul><ul><li>Which financial ...
Dispute Resolution Schemes <ul><li>Two options </li></ul><ul><ul><li>One of the approved Dispute Resolution Schemes </li><...
Registration Fees Ongoing Fees (incl. gst) Application Fees (incl. gst) $30 $30 Consumer dispute resolution regime adminis...
Application Timeframes <ul><li>Simple FSP registrations  </li></ul><ul><ul><li>Most will take just a few days to be approv...
What else do you need to know? <ul><li>Maintenance changes </li></ul><ul><ul><li>Notify Registrar of any changes </li></ul...
Are you an AFA? Authorisation of advisers Information provided by Securities Commission <ul><li>What the Financial Adviser...
The Financial Advisers Act <ul><li>Aims to build public confidence in the professionalism and integrity of financial advis...
Do you need to be authorised? <ul><li>YES if you provide a financial planning service, that is: </li></ul><ul><ul><li>Anal...
Not required if advising  only  on products issued or “promoted” by the QFE Registered and authorised,  if advising on thi...
What you need to prepare for authorisation <ul><li>Read the Quick Guide “How to apply for authorisation”  </li></ul><ul><u...
Statement of authorisation <ul><li>States whether you will be authorised as a financial planner or financial adviser </li>...
Proof of good character <ul><li>Provide two testimonials or character references </li></ul><ul><ul><li>The Quick Guide wil...
Proof of competence <ul><li>AFAs need to meet the minimum standards required by the Code of Professional Conduct </li></ul...
Developing an ABS <ul><li>Your Adviser Business Statement shows how you operate professionally </li></ul><ul><ul><li>Part ...
Declined <ul><li>Letter of authorisation including terms and conditions </li></ul><ul><li>FSPR is updated to show authoris...
How the Authorisation process works <ul><li>It’s simple… </li></ul><ul><li>Apply for registration and authorisation at FSP...
Letter granting QFE status including terms and conditions Apply for Registration and QFE Status on the FSPR Commission wil...
Application process for QFEs <ul><li>Applicant submits ABS to Securities Commission for the OK to apply for QFE Status </l...
Financial Adviser Fees $280 $280 Base minimum annual supervision fee for AFA/QFE Ongoing Fees  (incl. GST) Application Fee...
Authorisation timeline <ul><li>The key dates for AFAs are: </li></ul><ul><li>July 2010  </li></ul><ul><ul><li>registration...
Be ready: Are you an AFA? <ul><li>The earlier you apply for authorisation the better </li></ul><ul><li>Time taken to proce...
 
User Registration for FSPR <ul><li>igovt logon required for any transactional service </li></ul><ul><ul><li>Information pr...
About online identity assurance igovt logon  service Agency has  assurance of  user’s identity online igovt identity  veri...
www.companies.govt.nz Since the nineties the Companies Office has been  leading the development  of online transactions ig...
From the Industrial to the Information Age For the last 200 years people have had to  shuffle paper  documents between gov...
… and in the foreseeable future igovt enables people to unlock  online  and in  real time  their  information held by gove...
igovt  logon  service
igovt logon service <ul><li>For business and people, ease of use, convenience, privacy centric single logon across governm...
Agencies currently using igovt logon services
Agencies currently integrating with igovt logon services … and more are planning integrations…
igovt  identity verification  service
igovt identity verification service  <ul><li>Way to prove your identity in an online environment; like a passport; usable ...
 
 
igovt logon service look and feel with FSPR
User is directed back to FSPR page from igovt
User Registration Individual igovt Personal  Companies Account Name/Address/Email Organisation 1 Address/Email/Phone Organ...
User Registration – setting up an organisation <ul><li>Step 1 </li></ul>
User Registration – setting up an organisation <ul><li>Step 2 </li></ul>
User Registration – setting up an organisation <ul><li>Step 3 </li></ul>
To summarise: <ul><li>If in doubt, check with your lawyer about your need to register </li></ul><ul><li>Get your dispute r...
FSPR Contacts - Registration Website Email Phone Blog Twitter Facebook | www.fspr.govt.nz | [email_address] | 0508 FSPR IN...
FSPR Contacts – Other useful sites Website Website E-mail E-mail Website Website | www.consumeraffairs.govt.nz | www.secco...
Legislation <ul><li>Financial Service Providers (Registration and Dispute Resolution)  Act 2008:   </li></ul><ul><ul><li>w...
Upcoming SlideShare
Loading in …5
×

Financial Service Providers Register (FSPR)

5,604
-1

Published on

Financial Service Providers Register (FSPR) presentation for the Business Update 2010 Seminar Series - New Services for a New Decade.

An introduction to the FSPR and AFA regimes including who will administer them, registration and authorisation requirements, how to register on the FSPR and the process to become an Authorised Financial Adviser (AFA).

Published in: Business, Economy & Finance
0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total Views
5,604
On Slideshare
0
From Embeds
0
Number of Embeds
3
Actions
Shares
0
Downloads
33
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

Financial Service Providers Register (FSPR)

  1. 2. Financial Service Providers Register (FSPR) Compliance with the new Acts <ul><li>New Legislation – Do you need to register? (FSPR) </li></ul><ul><li>Are you an AFA? (Securities Commission) </li></ul><ul><li>igovt logon (Department of Internal Affairs and FSPR) </li></ul><ul><li>Contact Details </li></ul>
  2. 3. New Legislation <ul><li>Why? </li></ul><ul><ul><li>To address consumer and government concerns about the financial industry in New Zealand </li></ul></ul><ul><li>What? </li></ul><ul><ul><li>Two companion pieces of legislation were passed: </li></ul></ul><ul><ul><ul><li>Financial Service Providers (Registration and Dispute Resolution) Act 2008 </li></ul></ul></ul><ul><ul><ul><li>Financial Advisers Act 2008 </li></ul></ul></ul>
  3. 4. What are the benefits of the new regime? <ul><li>Good for business and competition </li></ul><ul><ul><li>Transparency and availability of business information </li></ul></ul><ul><li>Good for consumers and integrity </li></ul><ul><ul><li>Consumers now have an avenue of redress – Dispute Resolution Schemes dedicated to financial services disputes </li></ul></ul><ul><ul><li>The Act prohibits certain people from being involved in the management or direction of registered FSPs </li></ul></ul><ul><ul><li>Consumers wanting financial advice can choose people that are registered and those that also have authorisation from the Securities Commission </li></ul></ul>
  4. 5. What is the FSPR? <ul><li>A public, searchable register of financial service providers who operate in NZ. Examples are: </li></ul><ul><ul><li>Financial advisers </li></ul></ul><ul><ul><li>Money changers </li></ul></ul><ul><ul><li>Credit providers </li></ul></ul><ul><li>Where is the Register held and where do FSPs apply for registration and authorisation? </li></ul><ul><ul><li>Online at www.fspr.govt.nz from July 2010 </li></ul></ul><ul><ul><li>Financial Service Providers Act in force from 1 December 2010 </li></ul></ul><ul><ul><li>Financial Advisers Act in force from 1 July 2011 </li></ul></ul>
  5. 7. Who is behind the FSPR? <ul><li>The New Zealand Companies Office </li></ul><ul><ul><li>Maintenance of the electronic Register </li></ul></ul><ul><li>Ministry of Consumer Affairs </li></ul><ul><ul><li>Administering the financial services dispute resolution regime and establishing the government’s Reserve Scheme </li></ul></ul><ul><li>Securities Commission </li></ul><ul><ul><li>Financial advisers (AFA and RFA) and Qualifying Financial Entities (QFE) regimes </li></ul></ul>
  6. 8. What are common financial services? <ul><li>Mortgages, saving and cheque accounts, and loans </li></ul><ul><ul><li>Services your bank, building society, or credit union may offer </li></ul></ul><ul><li>Insurance </li></ul><ul><ul><li>Including life, health, home/contents, and vehicle </li></ul></ul><ul><li>Money management and/or advice </li></ul><ul><li>Investment management and/or advice </li></ul><ul><li>Consumer loans and credit </li></ul><ul><ul><li>Such as when you sell an item on credit or provide a cash loan </li></ul></ul><ul><li>Foreign currency exchanges </li></ul><ul><ul><li>Whether buying or selling </li></ul></ul><ul><li>Money transfers </li></ul>The full definition of financial services is provided in section 5 of the Financial Service Providers (Registration and Dispute Resolution) Act 2008
  7. 9. Examples of common financial service providers <ul><li>Building Societies </li></ul><ul><li>Credit Providers </li></ul><ul><li>Credit Unions </li></ul><ul><li>Financial Advisers (including financial planners) </li></ul><ul><li>Finance Companies </li></ul><ul><li>Foreign Currency Exchange Dealers </li></ul><ul><li>Fund Managers </li></ul><ul><li>Insurers </li></ul><ul><li>Investment Portfolio Managers </li></ul><ul><li>Issuers </li></ul><ul><li>Money Changers </li></ul><ul><li>Registered Banks </li></ul>Exemptions are provided in section 7 of the Financial Service Providers (Registration and Dispute Resolution) Act 2008
  8. 10. Application for FSP Registration Criminal History Check by Ministry of Justice FSP Registration Complete Join a Dispute Resolution Scheme (DRS) Registration Process
  9. 11. FSPR Individual Applications <ul><li>Full legal name and any other names (formerly known by) including previous names </li></ul><ul><li>Trading name(s) if different </li></ul><ul><li>Current residential address* and business address in New Zealand </li></ul><ul><li>Date of birth* </li></ul><ul><li>Gender* </li></ul><ul><li>AFAs will have additional application requirements </li></ul><ul><li>*Information not publicly shown on FSPR </li></ul>
  10. 12. FSPR Business Applications <ul><li>Business name </li></ul><ul><li>Trading name(s) if different </li></ul><ul><li>Business address </li></ul><ul><li>The full legal name, gender, date of birth, and residential address of each*: </li></ul><ul><ul><li>Director/s* </li></ul></ul><ul><ul><li>Controlling owner* </li></ul></ul><ul><ul><li>Senior manager/s* </li></ul></ul><ul><li>If overseas, identifying number from its home jurisdiction </li></ul><ul><li>QFEs will have additional application requirements </li></ul><ul><li>*Information not publicly shown on FSPR </li></ul>
  11. 13. All FSPR applications must include: <ul><li>Postal and email address for communication </li></ul><ul><li>Which financial services you provide </li></ul><ul><li>Membership with an approved dispute resolution scheme OR the reserve scheme </li></ul><ul><li>Confirmation that you are not disqualified from registration </li></ul><ul><li>Payment of appropriate fees </li></ul>
  12. 14. Dispute Resolution Schemes <ul><li>Two options </li></ul><ul><ul><li>One of the approved Dispute Resolution Schemes </li></ul></ul><ul><ul><li>Government’s Reserve Scheme </li></ul></ul><ul><li>Sort your membership before beginning the registration application process </li></ul><ul><li>Each scheme will have its own membership fees, requirements, and rules </li></ul><ul><li>Refer to www.consumeraffairs.govt.nz for more information </li></ul>
  13. 15. Registration Fees Ongoing Fees (incl. gst) Application Fees (incl. gst) $30 $30 Consumer dispute resolution regime administration contribution $39.38 $39.38 Criminal history check (per person, as required) $60 $350 FSP application for registration
  14. 16. Application Timeframes <ul><li>Simple FSP registrations </li></ul><ul><ul><li>Most will take just a few days to be approved (depending on results of criminal history check) </li></ul></ul><ul><li>Applications involving authorisation by the Securities Commission </li></ul><ul><ul><li>will take longer due to competency and assessment requirements </li></ul></ul><ul><li>As a rule, plan to register as early as possible </li></ul>
  15. 17. What else do you need to know? <ul><li>Maintenance changes </li></ul><ul><ul><li>Notify Registrar of any changes </li></ul></ul><ul><li>Annual confirmations </li></ul><ul><ul><li>Required if still in business and still legally able to operate </li></ul></ul><ul><li>De-registration </li></ul><ul><ul><li>Voluntary </li></ul></ul><ul><ul><li>By the Registrar </li></ul></ul><ul><li>Penalties if </li></ul><ul><ul><li>You are no longer qualified and continue to operate </li></ul></ul><ul><ul><li>Operate without registration </li></ul></ul><ul><ul><li>Hold out that you are registered but are not </li></ul></ul>
  16. 18. Are you an AFA? Authorisation of advisers Information provided by Securities Commission <ul><li>What the Financial Advisers Act aims to do </li></ul><ul><li>Who needs to be individually authorised </li></ul><ul><li>What advisers need to prepare, to apply for authorisation </li></ul><ul><li>How the authorisation process works </li></ul>
  17. 19. The Financial Advisers Act <ul><li>Aims to build public confidence in the professionalism and integrity of financial advisers </li></ul><ul><ul><li>Competence to match a person to a financial product that meets their needs </li></ul></ul><ul><ul><li>Disclosure so consumers can make decisions about advisers </li></ul></ul><ul><ul><li>Advisers are held accountable </li></ul></ul><ul><li>The Act applies to individual advisers, who must </li></ul><ul><ul><li>Act with care, diligence and skill and must not be misleading </li></ul></ul><ul><ul><li>Meet minimum standards in a Code of Professional Conduct if authorised </li></ul></ul><ul><li>The Act is all about professionalism! </li></ul>
  18. 20. Do you need to be authorised? <ul><li>YES if you provide a financial planning service, that is: </li></ul><ul><ul><li>Analyse a client’s financial situation </li></ul></ul><ul><ul><li>Identify their financial goals AND </li></ul></ul><ul><ul><li>Develop financial options for realising those goals </li></ul></ul><ul><li>YES if you give financial advice on Category 1 products </li></ul><ul><ul><li>Securities, interests in land, futures contracts </li></ul></ul><ul><ul><li>Financial advice is any recommendation, opinion or guidance about buying, selling, or holding a financial product </li></ul></ul><ul><li>NO if you give financial advice ONLY on Category 2 products </li></ul><ul><ul><li>Bank term deposits, call debt securities, consumer credit contracts, general insurance </li></ul></ul>
  19. 21. Not required if advising only on products issued or “promoted” by the QFE Registered and authorised, if advising on third party products Registered and authorised I advise on Category 1 products (I don’t provide a financial planning service) Registered and authorised Registered and authorised I provide a financial planning service Not required Registered only I advise only on Category 2 products I am employed by / a nominated representative of a QFE I am not in a QFE
  20. 22. What you need to prepare for authorisation <ul><li>Read the Quick Guide “How to apply for authorisation” </li></ul><ul><ul><li>Available on the Commissions website before July </li></ul></ul><ul><li>Gather the items in the checklist in the Quick Guide </li></ul><ul><ul><li>A statement of authorisation </li></ul></ul><ul><ul><li>Proof of good character </li></ul></ul><ul><ul><li>Proof of competence </li></ul></ul><ul><ul><li>An Adviser Business Statement (ABS) </li></ul></ul><ul><ul><li>Your QFE’s number (if you work for a QFE) </li></ul></ul>
  21. 23. Statement of authorisation <ul><li>States whether you will be authorised as a financial planner or financial adviser </li></ul><ul><li>Sets the scope of your business – the Scope of Practice </li></ul><ul><li>Includes your terms and conditions for practising as an AFA </li></ul><ul><li>Options available at www.seccom.govt.nz by July 2010 </li></ul><ul><li>Choose the statement of authorisation that best fits your business </li></ul>
  22. 24. Proof of good character <ul><li>Provide two testimonials or character references </li></ul><ul><ul><li>The Quick Guide will specify who and how </li></ul></ul><ul><li>Declare any criminal convictions for which you could have been sentenced to six months or more in prison </li></ul><ul><ul><li>Include where and when you were convicted and why your application should be considered </li></ul></ul><ul><li>Advise Commission of anything that may affect its consideration of your good character </li></ul>
  23. 25. Proof of competence <ul><li>AFAs need to meet the minimum standards required by the Code of Professional Conduct </li></ul><ul><li>To check if you measure up: </li></ul><ul><ul><li>Read the draft Code at www.financialadvisercode.govt.nz </li></ul></ul><ul><ul><li>Use ETITO’s ‘self-evaluation tool’ at www.afacompetence.org.nz </li></ul></ul><ul><li>Requirements for proof of competence: </li></ul><ul><ul><li>ETITO number </li></ul></ul><ul><ul><li>Evidence of any of the existing qualifications that count towards competence standards </li></ul></ul><ul><li>ETITO will advise the Commission of the results of any competence assessment </li></ul>
  24. 26. Developing an ABS <ul><li>Your Adviser Business Statement shows how you operate professionally </li></ul><ul><ul><li>Part 1- Description of your business </li></ul></ul><ul><ul><li>Part 2 – Explanation of how you will comply with the Act and Code </li></ul></ul><ul><li>It must be available for the Commission to see on request and must be kept up to date – they may visit you! </li></ul><ul><li>AFA Adviser Business Statement Guide available at www.seccom.govt.nz by July 2010 </li></ul>
  25. 27. Declined <ul><li>Letter of authorisation including terms and conditions </li></ul><ul><li>FSPR is updated to show authorisation </li></ul>Applied for Registration and Authorisation Approved Commission will advise reasons FSP Registration Accepted Application referred to Securities Commission for processing and checks information provided Authorisation Process
  26. 28. How the Authorisation process works <ul><li>It’s simple… </li></ul><ul><li>Apply for registration and authorisation at FSPR website </li></ul><ul><li>If registration accepted, confirmation (email) sent with notice that authorisation application has been forwarded to Commission </li></ul><ul><li>Commission processes application and checks information </li></ul><ul><li>Commission sends letter of authorisation including terms and conditions </li></ul><ul><ul><li>or advice that application declined </li></ul></ul><ul><li>Commission advises FSPR of authorisation and FSP register is updated to show AFA status </li></ul>
  27. 29. Letter granting QFE status including terms and conditions Apply for Registration and QFE Status on the FSPR Commission will advise reasons FSP Registration Accepted QFE application referred to Securities Commission for processing and checks information provided QFE Status Commission gives OK to formally apply for QFE status Declined Approved Applicant submits ABS to Securities Commission
  28. 30. Application process for QFEs <ul><li>Applicant submits ABS to Securities Commission for the OK to apply for QFE Status </li></ul><ul><li>Apply for registration and QFE Status at FSPR website </li></ul><ul><ul><li>Confirm that your QFE Adviser Business Statement has been reviewed by the Commission </li></ul></ul><ul><li>Provide any additional information requested at the ABS review </li></ul><ul><li>If registration accepted, confirmation (email) sent with notice that authorisation application has been forwarded to Commission </li></ul><ul><li>Commission processes application and checks information </li></ul><ul><li>Commission sends letter granting status including terms and conditions </li></ul><ul><li>Commission advises FSPR of QFE status and Register is updated </li></ul>
  29. 31. Financial Adviser Fees $280 $280 Base minimum annual supervision fee for AFA/QFE Ongoing Fees (incl. GST) Application Fees (incl. GST) Additional levies may be required to fund other aspects of the regulatory framework $4500 $4500 Application for QFE status $560 $840 Application for authorisation
  30. 32. Authorisation timeline <ul><li>The key dates for AFAs are: </li></ul><ul><li>July 2010 </li></ul><ul><ul><li>registration and applications for authorisation open at www.fspr.govt.nz </li></ul></ul><ul><li>1 December 2010 </li></ul><ul><ul><li>Financial Service Providers Act fully in force and applications for authorisation to have been received </li></ul></ul><ul><li>1 July 2011 </li></ul><ul><ul><li>Financial Advisers Act fully in force </li></ul></ul>
  31. 33. Be ready: Are you an AFA? <ul><li>The earlier you apply for authorisation the better </li></ul><ul><li>Time taken to process depends on: </li></ul><ul><li>Volume of applications </li></ul><ul><li>Whether your information is complete </li></ul><ul><li>Whether evidence of competence is available </li></ul><ul><li>Get Ready Now! </li></ul>
  32. 35. User Registration for FSPR <ul><li>igovt logon required for any transactional service </li></ul><ul><ul><li>Information provided by Department of Internal Affairs </li></ul></ul><ul><li>User can complete transactions on behalf of them, or their organisation </li></ul>
  33. 36. About online identity assurance igovt logon service Agency has assurance of user’s identity online igovt identity verification service Proves the identity of the person wishing to use agency services UNIQUENESS Proves that this is the same person as the last interaction CONSISTENCY
  34. 37. www.companies.govt.nz Since the nineties the Companies Office has been leading the development of online transactions igovt offers a new generation of functionality to existing online transactions and a platform for future services Knowing who you are dealing with and that it is the same person returning online is the key to moving from the Industrial to Information Age
  35. 38. From the Industrial to the Information Age For the last 200 years people have had to shuffle paper documents between government agencies. This gives a poor result, is slow , and is expensive for both people and government.
  36. 39. … and in the foreseeable future igovt enables people to unlock online and in real time their information held by government – their unique identity, whether they are a company director, what their IR number is ……This gives an excellent result, is fast , and is cheap for businesses, people and the government.
  37. 40. igovt logon service
  38. 41. igovt logon service <ul><li>For business and people, ease of use, convenience, privacy centric single logon across government </li></ul><ul><li>For agencies, affordable access to high-quality authentication methods </li></ul>Eliminate need for “necklace of tokens”
  39. 42. Agencies currently using igovt logon services
  40. 43. Agencies currently integrating with igovt logon services … and more are planning integrations…
  41. 44. igovt identity verification service
  42. 45. igovt identity verification service <ul><li>Way to prove your identity in an online environment; like a passport; usable across multiple government services </li></ul><ul><li>Launched in November 2009 with a Births Deaths & Marriages service </li></ul><ul><li>Confirms the unique identity of the individual behind the logon </li></ul><ul><li>Uses name, date of birth, place of birth, and sex </li></ul><ul><li>Users enrol for an igovt ID with Department of Internal Affairs </li></ul><ul><li>Agencies can replace document-based identity processes with igovt identity verification services </li></ul><ul><li>Privacy-centric design model </li></ul>
  43. 48. igovt logon service look and feel with FSPR
  44. 49. User is directed back to FSPR page from igovt
  45. 50. User Registration Individual igovt Personal Companies Account Name/Address/Email Organisation 1 Address/Email/Phone Organisation 2 Address/Email/Phone Organisation 3 Address/Email/Phone Coming soon Coming soon
  46. 51. User Registration – setting up an organisation <ul><li>Step 1 </li></ul>
  47. 52. User Registration – setting up an organisation <ul><li>Step 2 </li></ul>
  48. 53. User Registration – setting up an organisation <ul><li>Step 3 </li></ul>
  49. 54. To summarise: <ul><li>If in doubt, check with your lawyer about your need to register </li></ul><ul><li>Get your dispute resolution scheme membership sorted before you start to register </li></ul><ul><li>If you need to be authorised, get ready now – Securities Commission has the information you need </li></ul><ul><li>Online help available throughout the registration process </li></ul><ul><li>Registration is designed to be simple and easy, but if you need help, FSPR provides online help and a freephone </li></ul>
  50. 55. FSPR Contacts - Registration Website Email Phone Blog Twitter Facebook | www.fspr.govt.nz | [email_address] | 0508 FSPR INFO (377 746) | http://blog.companies.govt.nz | coming soon | coming soon
  51. 56. FSPR Contacts – Other useful sites Website Website E-mail E-mail Website Website | www.consumeraffairs.govt.nz | www.seccom.govt.nz | [email_address] | [email_address] | www.afacompetence.org.nz | www.financialadvisercode.govt.nz
  52. 57. Legislation <ul><li>Financial Service Providers (Registration and Dispute Resolution) Act 2008: </li></ul><ul><ul><li>www.legislation.govt.nz/act/public/2008/0097/latest/DLM1109427.html </li></ul></ul><ul><li>Financial Advisers Act 2008 : </li></ul><ul><ul><li>www.legislation.govt.nz/act/public/2008/0091/latest/DLM1584202.html </li></ul></ul><ul><li>Financial Service Providers (Pre-Implementation Adjustments) Bill </li></ul><ul><ul><li>www.parliament.nz/en-NZ/PB/Legislation/Bills/a/c/1/00DBHOH_BILL9712_1-Financial-Service-Providers-Pre-Implementation.htm </li></ul></ul><ul><ul><li>www.legislation.govt.nz/bill/government/2009/0109/latest/DLM2607807.html </li></ul></ul>

×