Hon CARMEL SEPULONI: Today's announcement builds on the $35 million of extra funding for core building financial capability services that I announced recently to address cost pressures for our budgeting services and enable them to increase their capacity as part of the COVID response. In December last year, the Government passed the Credit Contracts Legislation Amendment Bill, which required significant improvements to lending practices. Due to COVID, we brought forward the cap on the total amount of repayments, so, from 1 May this year, anyone who takes out a high-cost loan never has to repay more than twice what they have borrowed. We have also put in place regulations for all mobile traders and truck shops, including ensuring they assess affordability before agreeing to sell goods on credit. This Government is investing in the wellbeing of our people and communities in the wake of COVID-19 and putting in place our plan for a strong and stable future for New Zealand.