FCA reporting comparison
CCR009 and CCR007 are often mentioned together, but they are not the same return. This comparison explains the difference for motor dealers in plain English.
What the page is helping you decide, such as whether a CCR009 return applies, what reporting information to gather, or how to prepare before the RegData window opens.
Where the answer is likely to sit in practice, including lender portals, DMS records, spreadsheets, emails, complaints logs and finance commission statements.
How to move from reading about FCA consumer credit reporting to keeping monthly MI and submission preparation in a more organised place.
The names look similar and both relate to FCA reporting, so it is easy to mix them up.
The important point is that the returns focus on different information.
A dealer may have finance proposal data in a lender portal, commission totals in a statement, complaints in a shared mailbox and part exchange settlement figures in deal files. The return is easier when those records can be brought together before the deadline.
CCR009 is connected with consumer credit activity. For motor dealers, that often means finance introductions, income linked to regulated activity and related operational information.
CCR007 is generally associated with complaints reporting. It focuses on complaint volumes, categories and outcomes rather than finance introduction activity.
CCR009 looks at consumer credit activity. CCR007 looks at complaints information.
A dealership should avoid treating one as a substitute for the other.
A dealer may need finance records for one return and complaints records for another.
Using one set of records for both without review can lead to confusion. For wider help, see our motor dealer compliance support.
| Area | CCR009 | CCR007 |
|---|---|---|
| Purpose | Helps collect information about consumer credit activity. | Helps collect information about complaints. |
| Main focus | Finance introductions, regulated income and related activity. | Complaint numbers, categories and outcomes. |
| Type of information | Lender details, commission, fees and activity records may be relevant. | Complaint logs, root causes and closure outcomes may be relevant. |
| Relevance to motor dealers | Relevant where the dealer carries out consumer credit activity. | Relevant where the firm has reportable complaints obligations. |
| Record keeping needed | Finance and sales records should be organised throughout the year. | Complaint records should be maintained and reviewed regularly. |
| How 009 Compliance can help | CCR009 return support can help with reporting preparation. | Motor dealer compliance support can help with broader record organisation. |
Good records make both returns easier. Finance activity, complaints, customer outcomes and internal reviews should be kept in a way that can be understood later.
A finance-related complaint may therefore matter for complaints reporting and also help the firm understand whether its finance customer journey needs attention.
Support may be useful if the dealership is unsure which return applies, has poor historic records or needs a more structured process before the next reporting period.
No. CCR009 and CCR007 are different FCA returns and focus on different information.
Yes. A dealer may need to consider both depending on its permissions, activity and reporting schedule.
Yes. CCR007 is generally associated with complaints reporting.
Yes. CCR009 relates to consumer credit activity and may include information linked to finance introductions.
Yes. 009 Compliance can help motor dealers organise records for CCR009 and broader FCA reporting preparation.
These official FCA pages may help you check the current position before making decisions or submitting information.
009 Compliance supports motor dealers with CCR009, compliance records and ongoing FCA reporting preparation.
This page provides general information only. It is not legal or regulatory advice. Firms remain responsible for checking their own FCA permissions, RegData schedule and reporting obligations.
