Christchurch Lender to Filipino Community Fined for Unregistered Lending

Christchurch company 4J Enterprise Limited, which mainly served the city's Filipino community, has been fined $15,000 for providing financial services without registration. Company director Hope Suan and senior manager Juvy Suan were sentenced to community work in the Christchurch District Court.

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Chris Lynch Media reported on 15 October 2026 that 4J Enterprise Limited was fined $15,000 after it kept lending after being told it could not do so without being properly registered and certified.

In the Christchurch District Court, company director Hope Suan and senior manager Juvy Suan were sentenced to community work, Chris Lynch Media said. The Press also reported on 14 October 2026 that Hope and Juvy Suan were sentenced to community work and that 4J Enterprise Limited was fined $15,000 for providing financial services without registration.

According to Chris Lynch Media, the company offered loans of between $500 and $15,000, repaid over six months to two years. It said it charged annual interest of 33 per cent, but its own records showed some borrowers were charged as much as 55.61 per cent.

Chris Lynch Media reported 4J was warned in May 2024 that it needed to be registered on the Financial Service Providers Register and certified by the Commerce Commission before it could lend, then issued 46 new loans worth $81,110 to 27 borrowers and collected about $65,000 in interest across 50 new and existing loans before it stopped collecting interest in November 2025.

The Press reported that when the Commerce Commission put the Suans on notice in May 2024, they continued to provide loans, primarily to Christchurch's Filipino community. Chris Lynch Media said the Commerce Commission investigated 4J and laid the charges, and that the Financial Markets Authority took over the prosecution when responsibility for consumer credit moved to it on 1 July.