It may be some time before new changes to consumer finance laws are reviewed

As of December, banks can crack down on borrowers spending, before loans are approved.

It means even your weekly coffees can have an impact on how much you can borrow.

Financial Advice New Zealand has written to Commerce Minister David Clark, requesting an urgent meeting ... but hasn't yet heard back.

A Government spokesperson says officials are aware of the concerns, and MBIE will be engaging further with lenders and consumer advocates ... once the new law has had a chance to settle in.