The Government is committed to protecting New Zealand businesses and consumers from unfair commercial practices. Last term, under the watchful eye of the Hon Kris Faafoi, we reviewed consumer credit laws, strengthened responsible lending, and capped interest and fees that can be charged on high-cost loans. Perhaps it was coincidental or maybe it was the universe foreshadowing what was to be in the future, but last year I was the member who presented the first reading of this bill on behalf of Minister Faafoi when I was all care and no responsibility for matters of commerce and consumer affairs. And now, of course, I have both—all care and all responsibility.