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    Like many organisations, we use technology on our website to collect information that helps us enhance the experience of our site. The cookies we use allow our website to work and help us to better understand what information is most useful to you.

    Finance professionals

    We licence, regulate and supervise financial market participants and provide guidance and information on how to comply with obligations.

    Finance professionals

    We licence, regulate and supervise financial market participants and provide guidance and information on how to comply with obligations.

    Services

    Licensing, compliance and general information by specific role we supervise.

    Read more

    Focus areas

    AML/CFT, Consultations, Ethical Finance and Offers of financial products

    Read more

    Get licensed

    Click here to apply for your Financial Institution licence.

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    Guidance

    Search our document library for guidance reports and papers.

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    Consultations

    Consultation is an important part of our policy development process.

    Read more

    Services

    Licensing, compliance and general information by specific role we supervise.

    Read more

    Focus areas

    AML/CFT, Consultations, Ethical Finance and Offers of financial products

    Read more

    Get licensed

    Click here to apply for your Financial Institution licence.

    Read more

    Guidance

    Search our document library for guidance reports and papers.

    Read more

    Consultations

    Consultation is an important part of our policy development process.

    Read more

    Pages in this section

    Services

    The Services section of our website provides an overview of the compliance obligations of key financial market participants.

    Choose your role on the main 'Services' menu to find out who needs to comply, your main obligations, information on licensing, fees and exemptions. 

    Licensing

    All licensing requirements are defined by role in the 'services' section. 

    Focus areas

    This section contains information about conduct regulation, ethical finance, climate related disclosures, innovation in financial markets, operational resilience, AML/CFT and consultations. 

    Online services

    Online Services is a secure portal hosted by the FMA for submitting some licence applications, regulatory returns and scheme information, and notifications.

    Legislation

    This section explains the Financial Markets Conduct Act 2013 and other legislation we enforce.

    Contact us

    How to get in touch with the FMA, and details of who to contact if the matter doesn't fall under our remit or can more easily be resolved by another government agency or organisation.

    Upcoming events and announcements

    10 Sept 2025 Wed 12:00pm

    FSC Conference

    FMA will be speaking and taking part in a roundtable lunch with Financial Advice Chief Executives on the 10th September, Board Chair and CE attending dinner on the 11th September. 

    See details →
    24 Sept 2025

    IRD Senior Tax Technical Conference

    Wed 12:00pm
    20 Oct 2025

    Financial Markets Law Conference

    Mon 12:00pm
    04 Nov 2025

    Anti-Money Laundering & Countering Financing of Terrorism Conference 2025

    Tue 12:00pm

    Monthly market engagement undertaken by the FMA

    Talking to the Market is essential to the FMA as an engagement led regulator. Understanding institutions, associations and other related parties' interests or business models supports our statutory duty to "promote and facilitate the development of fair, efficient, and transparent financial markets; and to promote the confident and informed participation of businesses, investors, and consumers in the financial markets'.

    Each month a broad range of FMA staff, from Directors to our CEO, to executives and those on the front-line meet with people from across the industry.

    For the months of January - March 2025, we engaged with:

    Financial Advice Providers 43
    Financial Institutions (e.g. Deposit Takers, Insurers, MIS Managers) 153
    Other engagements (e.g. Industry Associations, Dispute Resolution Schemes, Regulators, Tech Service Providers) 85
    Grand Total 281

    Latest news

    Speeches & presentations
    13 Aug 2025
    Speech by FMA Executive Director, Licensing and Conduct Supervision, Clare Bolingford to the Future of Financial Services conference
    Clare Bolingford outlines a future-focused approach to financial regulation in New Zealand, balancing innovation, conduct and trust.
    Media releases
    06 Aug 2025
    FMA warns Kiwibank for overcharging customers
    FMA warns Kiwibank for overcharging 8,663 joint account customers, breaching FMC Act with misleading fee representations.
    Reports and papers
    04 Aug 2025
    Climate-related Disclosures: Insights from our reviews 2025
    FMA report offers guidance for climate reporting entities to improve climate-related disclosures under NZ’s regulatory regime.
    Reports and papers
    30 Jul 2025
    Weather Events Claims Insights
    This report provides observations and key findings from our research into the effectiveness of Aotearoa New Zealand’s domestic fire and general ins ...
    Media releases
    30 Jul 2025
    Insurance companies have improved their processes but more to do in extreme events
    FMA urges insurers to improve claims processes after Auckland floods & Cyclone Gabrielle under new CoFI regime.
    Research
    16 Jul 2025
    Increased risk profile of KiwiSaver funds 2021-2024
    We have observed a dramatic increase in the overall risk categorisation of KiwiSaver funds in recent years. This paper describes the observed increase ...
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