We are the industry organisation representing responsible and ethical finance and leasing providers in New Zealand. Our members offer a range of services including consumer finance, business and commercial finance, credit, insurance, investment opportunities, and motor vehicle finance and leasing. FSF aims to influence fair legislation, provide opportunities for self-regulation, help to educate consumers about responsible lending and borrowing, and encourage constructive dialogue within the industry and members. Some of our 53 members include BMW Financial Services Ltd., Geneva Finance, Baycorp, Home Direct, Toyota Finance New Zealand Ltd, Protecta Insurance NZ Ltd, and Mercedes-Benz Financial Services NZ Ltd. The full list of members can be found on our website, www.fsf.org.nz.