CCR009 mistakes to avoid
CCR009 reporting can become difficult when records are incomplete or left until the deadline. This guide highlights common mistakes motor dealers should watch for.
The return is left until late, finance records are split across systems, or commission and lender information cannot be traced quickly.
Poor records make it harder to explain the figures and increase the chance that obvious errors are missed before submission.
Use monthly MI, keep source records, check RegData access early and review finance-related complaints before the deadline.
The most common problem is waiting until the submission window is nearly closed.
This leaves little time to find missing records or question figures that do not look right.
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.
Finance introduction data is easier to review when it is collected throughout the year.
Leaving it until the end can mean relying on memory, incomplete exports or scattered deal files.
Dealers should understand who they work with and what role each party plays.
Confusing lenders, brokers and introducers can make reporting harder to explain.
Commission records can be important for CCR009 reporting where income is linked to finance activity.
A dealer should be able to trace commission information back to sensible records.
Complaint records should make it possible to identify issues linked to finance, disclosures or credit broking.
A single general complaints folder may not give enough visibility.
Part exchange transactions involving finance settlement should be recorded clearly.
Missing settlement information can make it harder to understand the customer journey.
CCR009 preparation should start with the firm’s permissions and reporting schedule.
This helps the dealer understand why the return applies and what activity may be relevant.
A surprising number of problems come from login access, user permissions or uncertainty over who can submit through FCA RegData.
Access should be checked well before the deadline.
A final review helps identify obvious gaps, duplicated figures or inconsistencies before submission.
That review should happen before the deadline pressure becomes too high.
Keep monthly records, review permissions, maintain lender and commission information, and check RegData access early.
For practical help, see our CCR009 reporting support.
Common mistakes include late preparation, missing finance data, poor commission records, unclear lender information and RegData access issues.
Monthly record keeping helps firms keep finance and reporting information organised while it is still current.
Missing commission data can make CCR009 preparation harder where commission is relevant to the firm’s consumer credit activity.
Yes. Complaints should be reviewed to identify any finance-related or consumer credit themes.
009 Compliance can help motor dealers organise and sense-check CCR009 information, but the firm remains responsible for its submissions.
These official FCA pages may help you check the current position before making decisions or submitting information.
009 Compliance helps motor dealers put structure around reporting information before submission.
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.
