Regulatory Information
About NZFRA
The New Zealand Financial Regulatory Authority (NZFRA) is the national authority for regulating, licensing, and supervising money service businesses and other financial service providers in New Zealand.
Scope of Supervision
NZFRA oversees the following entities and activities:Money Service Businesses|Remittance companies|Currency exchange operators|Digital asset service providers|Payment institutions|Any other entities conducting regulated financial activities in New Zealand.
Legal Framework
Our regulatory functions are governed by the following legislation:Anti-Money Laundering and Countering Financing of Terrorism Act (AML/CFT Act)|Financial Service Providers (Registration and Dispute Resolution) Act|Other relevant New Zealand financial regulations
Regulatory Duties and Standards
NZFRA is committed to:Licensing and supervising all registered financial entities|Conducting regular audits and compliance reviews|Enforcing AML/CFT standards and risk assessments|Issuing guidelines, directives, and enforcement actions as required.
Compliance Requirements for Entities
All supervised entities must:Maintain valid NZFRA licenses and registrations|Submit beneficial ownership and control information|Implement effective AML/CFT compliance programs|Keep accurate records and report suspicious transactions|Undergo regular regulatory audits.
Regulatory Policies and Guidelines
Access the latest NZFRA regulatory policies, official guidelines, and essential compliance documents for all registered financial entities. Download PDF files to stay informed and compliant.
Official Documents & Compliance Resources
Access the latest NZFRA regulatory policies, official guidelines, and essential compliance documents for all registered financial entities. Download PDF files to stay informed and compliant.
NZFRA Regulatory Documents
Download up-to-date regulatory resources, AML/CFT guidance, registration requirements, and audit checklists issued by the New Zealand Financial Regulatory Authority (NZFRA).
Key Regulations and Guidance
Find all official NZFRA regulatory documents and guidance materials in one place. Ensure your organization meets current compliance and reporting standards.
Report Misconduct
To report suspicious activity, regulatory breaches, or non-compliance, contact NZFRA at:
compliance@nzfra.co.nz
Need Help?
Regulatory FAQ – Frequently Asked Questions
The New Zealand Financial Regulatory Authority (NZFRA) is committed to ensuring transparency, integrity, and compliance across the financial sector. This page provides access to up-to-date regulatory policies, official guidelines, and essential resources that help all registered ent
Who must register with NZFRA as a financial service provider?
All entities and individuals offering money service business (MSB) activities, including remittance, currency exchange, or digital asset services within New Zealand, are required to register and obtain appropriate licenses with NZFRA.
What documents are needed for registration?
You must provide company incorporation documents, beneficial ownership information, compliance policies, and any supporting documents specified in the registration requirements.
What are the main compliance obligations for licensed entities?
All registered entities must implement AML/CFT programs, submit annual audit reports, update beneficial ownership information, and promptly report any suspicious transactions to NZFRA.
How often do I need to submit compliance reports or renew my license?
Annual audit reports must be submitted each year. Licenses should be renewed according to NZFRA’s regulatory schedule or whenever your business information changes.
What happens if my company fails to comply with NZFRA regulations?
Failure to comply may result in administrative penalties, license suspension, or revocation. NZFRA will also publicly list non-compliant entities.