What Financial Services Federation does

Financial Services Federation (FSF) is a member-funded industry body established in 1965 and headquartered in Wellington, New Zealand, representing specialist lenders operating in Aotearoa New Zealand. The organization serves as the collective voice for non-bank finance providers, with members including Turners, UDC Finance, Avanti Finance, Custom Fleet, Harmoney, Mercedes Benz Financial Services, MTF Finance, First Credit Union, Nelson Building Society, Prospa, Scania, and Toyota Financial Services, collectively reaching over 1.7 million businesses and consumers across consumer and commercial finance, leasing, credit-related insurance, and credit reporting.

FSF's core offerings are five industry codes and guidelines (Responsible Lending Guidelines, Responsible Borrowing Code, Responsible Debt Collection Code, Credit-Related Insurance Code, and a Code of Practice for preventing economic harm from family violence), an NZQA Level 5 Micro-Credential Consumer Credit programme developed with Strategi Institute, and the annual FSF Conference — the largest specialist lending sector event in New Zealand. The organization also runs the annual Women in Finance charity lunch, now in its tenth year, supporting Good Shepherd NZ. FSF engages in regulatory advocacy with the Financial Markets Authority, including direct involvement in the transition of the Credit Contracts and Consumer Finance Act (CCCFA) to FMA oversight.

The business model is membership-driven, with annual subscription fees from specialist lending companies as the primary revenue stream, supplemented by conference delegate fees and training programme revenue. FSF operates with a lean team of 5 employees out of a single Wellington office and is incorporated as a private membership organization.

Name

Financial Services Federation

Legal name

Financial Services Federation

Website

https://fsf.org.nz

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Financial Services Federation is the Wellington-based industry body for New Zealand specialist lenders, providing industry codes, professional development, advocacy, and the annual FSF Conference to member companies serving over 1.7 million consumers and businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Wellington

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Membership fees: FSF generates revenue through membership fees from specialist lending companies, including private and listed companies such as Turners, UDC Finance, Avanti Finance, Custom Fleet, Harmoney, Mercedes Benz Financial Services, MTF Finance, First Credit Union, Nelson Building Society, Prospa, Scania, and Toyota Financial Services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

FSF is the industry body for specialist lenders in Aotearoa New Zealand, recruiting specialist lending companies as members. It develops and publishes industry codes and guidelines (responsible lending, responsible borrowing, debt collection, credit-related insurance, and economic abuse prevention), delivers professional development programs (including a Micro-Credential Consumer Credit at NZQA Level 5), advocates for sensible regulation, and hosts sector events such as the annual FSF Conference and the Women in Finance charity lunch.

Product overview

Financial Services Federation (FSF) is the industry body for specialist lenders in Aotearoa New Zealand, providing industry codes and guidelines, professional development programmes, and sector events. The core offering consists of five industry codes covering responsible lending, borrowing, debt collection, credit-related insurance, and economic abuse prevention. Professional development includes a Micro-Credential (NZQA Level 5) Consumer Credit programme developed with Strategi Institute. FSF also hosts the annual FSF Conference and the Women in Finance charity event. FSF members include specialist lenders, finance companies, and credit unions serving over 1.7 million businesses and consumers.

Differentiator

Problem solved

Functional benefit

Products and services

• Responsible Lending Guidelines Guidelines outlining what consumers should expect from responsible lenders, including the lender's responsibilities to understand the consumer's situation and needs before approving a loan. Published for use by specialist lending members and the public.
• Responsible Borrowing Code Code covering what consumers should consider before taking out a loan, what to disclose, and what to do if things go wrong. Re-launched in 2019 in conjunction with FinCap.
• Responsible Debt Collection Code Code demonstrating how FSF members go above and beyond legal requirements to action debt collection responsibly.
• Credit-Related Insurance Code Code setting out what consumers should expect from responsible insurance providers, consumers' rights, and both parties' responsibilities. Updated version adds mechanical Breakdown Insurance with 24/7 roadside assistance.
• Code of Practice - Preventing and Reducing Economic Harm from Family Violence Code of practice developed with Good Shepherd NZ to help specialist lenders prevent and reduce economic harm for customers experiencing family violence.
• Micro-Credential Consumer Credit (NZQA Level 5) 16-week online programme with 8 modules covering responsible consumer lending, developed by Strategi Institute in conjunction with FSF. Equips staff with knowledge for assessing loan applications and customer service throughout the loan lifecycle.
• FSF Conference 2026 Annual conference for New Zealand's lending sector featuring keynotes, panels, CPD sessions, and networking opportunities. Scheduled for 16 October 2026 at Pullman Hotel, Auckland CBD.
• Women in Finance Event Annual charity lunch, now in its 10th year, raising funds for Good Shepherd NZ to support women, girls and families experiencing harm and financial hardship.

Quantifiable outcome

• Members serve over 1.7 million businesses and consumers

Named customers12 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Good Shepherd NZcoreStrategic or Co-development Partner · 26 November 2025FSF and Good Shepherd NZ launched a joint Code of Practice to help specialist lenders prevent and reduce harm for customers experiencing economic harm from family violence. The announcement was made on International Economic Abuse Awareness Day (26 November 2025).
• Strategi InstitutecoreStrategic or Co-development PartnerFSF co-developed the Micro-Credential Consumer Credit (NZQA Level 5) programme with Strategi Institute. The programme is provided online and designed for consumer credit providers to elevate industry standards for responsible lending, compliance, and consumer awareness.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Australian Finance Industry Association: AFIA is the Australian peak body for specialist finance, fintech and asset finance providers, with member codes, advocacy and industry events — the closest geographic and functional peer to FSF.
• NZ Banking Association: NZBA represents New Zealand's registered banks and engages with the FMA/RBNZ on regulatory policy. While its members are banks rather than specialist lenders, it is the closest NZ-based financial services trade body, sharing the same Wellington regulatory ecosystem.
• Finance & Leasing Association (UK): The FLA is the UK trade body for consumer and asset finance, leasing and motor finance providers, publishing codes of practice, lobbying regulators and convening the sector — directly analogous to FSF's specialist lender remit.

Broad incumbents

• American Financial Services Association: AFSA represents US consumer finance companies, captive lenders and auto finance providers, publishing code of conduct and federal advocacy — a broader US analogue of FSF's non-bank lender remit.
• Equipment Leasing and Finance Association: ELFA is the larger US trade body for the equipment finance industry with several FSF member equivalents (Custom Fleet, Scania, Mercedes-Benz Financial Services, Toyota Financial Services). It provides codes, advocacy and an annual convention broadly analogous to FSF's model.
• Consumer Bankers Association: CBA is the US trade association for retail banking institutions, providing regulatory advocacy, industry surveys and a forum for consumer-finance compliance — broader in scope but comparable as a consumer-lending trade body.
• UK Finance: UK Finance is the broad UK financial services trade association covering banks, building societies, card issuers and specialist lenders — a larger, more diversified analogue of FSF's specialist lender focus.
• Financial Services Council (Australia): FSC Australia is the peak body for Australia's financial services industry, including superannuation, funds management, life insurance and advice. It is a broader, larger counterpart covering adjacent consumer-finance-related codes and policy advocacy.

Regional players

• Insurance Council of New Zealand: ICNZ represents general insurers in New Zealand and engages on FMA and prudicential policy. Several FSF members also write credit-related insurance, making ICNZ an adjacent NZ trade body with overlapping regulatory engagement.
• Asia Pacific Loan Market Association: APLMA is the regional industry association for the syndicated loan and private credit markets across Asia-Pacific, including Australia and New Zealand. It is geographically adjacent and serves an overlapping lending constituency, though focused on institutional loan markets rather than consumer/specialist lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/financial-services-federation

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Financial Services Federation