At 009 Compliance Ltd, we understand the motor trade because we have worked within vehicle finance and dealership environments ourselves.
We understand the reality of running a dealership. Stock needs buying and preparing. Customers need looking after. Finance proposals need processing. Vehicles need delivering. Compliance reporting is rarely at the top of the priority list until a deadline suddenly appears.
That is exactly why our CCR009 support service exists.
We help FCA authorised motor dealers organise and prepare the information required for their annual FCA CCR009 return in a practical, structured and straightforward way.
- No call centres.
- No ticketing systems.
- No unnecessary jargon.
Just practical, plain-English support from people who understand how motor dealerships actually operate.
Whether you are completing your first CCR009 return or have submitted previous returns through FCA RegData, our aim is simple.
To make the process easier, more organised and significantly less stressful.
Built on Real Motor Trade Experience
Many compliance providers understand regulation.
We understand regulation and the motor trade.
Our experience has been built through working alongside vehicle finance operations and motor dealerships. We understand lender relationships, finance introductions, commission structures, funded deals, part exchange settlements and the day-to-day realities of selling vehicles within an FCA regulated environment.
That practical experience shapes how we support our clients.
We focus on helping firms understand what information the FCA is asking for, how to organise it properly and how to avoid the last-minute panic that many businesses experience when annual reporting deadlines arrive.
Our support is designed to feel practical, proportionate and manageable rather than overwhelming.
What is the FCA CCR009 Return?
CCR009 is the Financial Conduct Authority's annual Consumer Credit Regulatory Return.
The return is submitted through the FCA's RegData system and is used by the FCA to collect information relating to a firm's regulated consumer credit activities.
For many FCA authorised motor dealers, the CCR009 return is one of the most important annual regulatory submissions they complete.
The FCA CCR009 return commonly applies to firms holding permissions including:
- Credit broking
- Debt adjusting
- Debt counselling
- Providing credit information services
The return collects information relating to how a business operates in practice, including finance introductions, commission income, lender relationships, broker relationships, remuneration structures, sales channels and related regulated activities.
The reporting period generally covers activities carried out between 1 January and 31 December, with the FCA providing a reporting window through RegData following the end of the reporting period.
Why Many Motor Dealers Find CCR009 Difficult
The FCA CCR009 return is considerably more detailed than many firms initially expect.
Many dealers assume the return simply asks for turnover figures and commission income. In reality, the return can require information relating to finance introductions, lenders, brokers, remuneration structures, complaints, sales channels, commission disclosure practices, debt adjusting activities and prudential resources.
The FCA also uses conditional questioning within the CCR009 return.
This means the answers provided in one section determine which additional questions appear later in the return.
As a result, firms often find themselves dealing with questions they were not expecting and searching for information that has not been recorded consistently throughout the year.
This is one of the main reasons why annual FCA reporting can become stressful.
How We Help Make CCR009 Easier
At 009 Compliance Ltd, we focus on organisation throughout the year rather than panic at year end.
Our role is to help firms organise, structure and maintain the information commonly required for FCA CCR009 reporting.
This includes helping firms maintain visibility over:
- Finance introductions
- Lender relationships
- Broker relationships
- Finance commission
- Customer complaints
- Part exchange finance settlements
- Regulated turnover
- Staff involvement in regulated activities
- Debt adjusting activity
- Debt counselling activity
- Prudential resources information
By maintaining more organised records throughout the year, annual FCA reporting becomes significantly easier.
Our Monthly Management Information Process
One of the biggest problems we see is firms attempting to reconstruct an entire year of regulated activity shortly before the FCA reporting deadline.
To help avoid this, we use a structured monthly management information process designed specifically for motor dealers.
Typical information collected includes:
- Total vehicles sold
- Vehicles sold on finance
- Lenders and brokers used
- Finance commission received
- Total business turnover
- Finance-related complaints
- Fees paid to brokers or lead sources
- Part exchange finance settlements
- Changes to the business since the previous month
This creates a more organised reporting trail and helps reduce the administrative burden associated with annual FCA reporting.
Instead of searching through old files and commission statements at year end, firms have a clearer record of activity throughout the reporting period.
Finance Introductions and Commission Reporting
One of the most important sections of the FCA CCR009 return relates to finance introductions and commission reporting.
The FCA may request information regarding:
- The number of finance introductions made
- The products introduced
- Revenue generated from regulated activities
- Lender relationships
- Broker relationships
- Commission structures
- Customer fees
- Commission disclosure practices
For motor dealers operating as credit brokers, these figures form a significant part of the overall CCR009 return.
Maintaining accurate records throughout the year helps ensure that information can be reported consistently and accurately when required.
Lender Relationships and Broker Relationships
The FCA CCR009 return places considerable emphasis on understanding how firms obtain finance for customers.
This includes relationships with:
- Direct lenders
- Finance brokers
- Introducers
- Related entities
- Unrelated entities
Motor dealers frequently work with multiple lenders and broker partners throughout a reporting period.
The FCA may require firms to report information relating to these relationships, including introductions, revenue generated and the nature of the relationship itself.
Understanding how these relationships fit within the reporting framework is often one of the more confusing areas of the CCR009 return.
Debt Adjusting and Debt Counselling Reporting
Many motor dealers hold debt adjusting and debt counselling permissions solely because they occasionally assist customers with finance settlements as part of a vehicle transaction.
Despite this, firms can still encounter debt adjusting and debt counselling questions within the CCR009 return.
The FCA may request information relating to:
- Part exchange finance settlements
- Settlement values
- Revenue from debt adjusting activities
- Relevant debts under management
This often creates confusion because many dealers do not consider themselves debt management businesses.
Understanding why these questions appear and how they relate to motor trade activity is an important part of preparing an accurate CCR009 return.
Prudential Resources Explained
Prudential resources are another area that regularly causes confusion.
The FCA requires certain consumer credit firms to maintain minimum prudential resource levels depending on their permissions and activities.
The CCR009 return may include questions relating to:
- Prudential resources
- Net assets
- Relevant debts under management
- Financial position
For many motor dealers, prudential resources requirements are relatively straightforward. However, the terminology can appear intimidating when encountered for the first time.
Maintaining accurate financial information and understanding how prudential resources fit into the wider reporting framework helps make the process far easier.
FCA RegData and Annual Reporting
CCR009 returns are submitted through the FCA's RegData platform.
Many firms experience difficulties with:
- Access permissions
- User accounts
- Two-factor authentication
- Reporting schedules
- Submission deadlines
- Understanding return requirements
The FCA CCR009 return forms part of the wider consumer credit reporting framework and sits alongside other regulatory reporting obligations that may apply to FCA authorised firms.
Maintaining organised information throughout the year helps reduce pressure once reporting windows open.
CCR007 vs CCR009
Many firms search for information about CCR007 and CCR009 together.
Although both are FCA regulatory returns, they serve different purposes.
Broadly speaking, CCR009 focuses on operational consumer credit activity, finance introductions, revenue, commission reporting and related regulated activities.
CCR007 generally relates to complaints reporting obligations.
Depending on permissions and reporting requirements, firms may need to complete one return or both.
Understanding which return applies and what information is required can help firms prepare more effectively.
Common CCR009 Reporting Mistakes
The most common mistakes we see include:
- Failing to record finance introductions throughout the year.
- Not maintaining accurate commission records.
- Confusion between lenders and brokers.
- Missing information relating to part exchange settlements.
- Failing to keep track of finance-related complaints.
- Leaving data collection until the reporting deadline.
- Misunderstanding prudential resources requirements.
- Uncertainty around commission disclosure reporting.
Most of these issues can be reduced through better organisation and ongoing management information capture.
Why Dealers Choose 009 Compliance Ltd
Our clients choose us because we understand how dealerships operate.
We understand that many businesses do not have dedicated compliance departments.
The same person may be buying stock, dealing with customers, arranging finance, managing staff and trying to complete FCA reporting obligations.
Our approach is designed around helping businesses stay organised without creating unnecessary complexity.
We focus on:
- Practical support.
- Plain-English explanations.
- Motor trade experience.
- Structured management information.
- Ongoing organisation.
- Reduced reporting stress.
We believe compliance should feel manageable, proportionate and organised.
Frequently Asked Questions About CCR009
What is a CCR009 return?
CCR009 is the FCA's annual Consumer Credit Regulatory Return submitted through the RegData platform.
Who needs to complete a CCR009 return?
Many firms holding permissions such as credit broking, debt adjusting, debt counselling or providing credit information services will have CCR009 reporting obligations.
What information is required for CCR009?
Typical information may include finance introductions, commission income, lender relationships, broker relationships, sales channels, debt adjusting activity and prudential resources information.
When is the CCR009 return due?
The return generally covers activities from 1 January to 31 December, with the FCA providing a reporting window following the end of the reporting period.
What is RegData?
RegData is the FCA's online reporting system used for regulatory submissions, including the CCR009 return.
What is the difference between CCR007 and CCR009?
CCR009 focuses on consumer credit activities and operational reporting. CCR007 generally relates to complaints reporting requirements.
Why do motor dealers struggle with CCR009?
Many firms do not maintain the information required throughout the year, resulting in a last-minute effort to reconstruct figures when reporting deadlines arrive.
Helpful CCR009 guides
If you are still working out what the return means, these guides explain the main CCR009 reporting questions before you get into the service details.
Speak to 009 Compliance Ltd
Practical CCR009 support for motor dealers
If you want practical, plain-English support with your FCA CCR009 return, we would be happy to help.
We understand the motor trade, we understand vehicle finance and we understand the information the FCA commonly requests from motor dealers.
Our goal is simple.
Help dealers stay organised throughout the year so annual FCA reporting becomes easier, clearer and far less stressful.
