Commerce Commission v Harmoney Ltd - [2019] 2 NZLR 81

Credit contracts — Peer-to-peer lending platform — Fees — Obligations of the company providing platform — Loans arranged through bare trustee also acting as provider’s agent — Provider undisclosed principal — Whether platform provider was creditor — Whether more than one document comprised credit contract — Whether all specific terms contained in loan contract — Whether platform fee charged to borrowers was a credit fee — “Bare trustee” — “Credit” — “Credit contract” — “Credit fees” — Financial Markets Conduct Act 2013.