Harmoney Ltd v Commerce Commission - [2020] 3 NZLR 552

Consumer credit contracts — Peer-to-peer lending platform — Fee — Whether platform fee was credit fee — Fee charged to borrowers for arranging loans — Documents comprising credit contract — Whether credit contract comprised of all three documents provided — Creditor as bare trustee for investors — Creditor — Whether platform provider as agent for trustee was also creditor — Whether investors creditors — Financial Markets Conduct Regulations 2014 reg 184.