Motor dealer compliance guide
FCA compliance for motor dealers covers authorisation, finance introductions, customer outcomes, complaints, reporting and record keeping. This guide gives a practical overview.
Check FCA permissions, website finance wording, customer journey documents and sales staff understanding.
Keep disclosures clear, handle vulnerable customers carefully, record complaints and understand commission disclosure.
Maintain record keeping, compliance monitoring, monthly compliance checks and FCA reporting preparation where needed.
FCA compliance means having proportionate systems, records and customer processes for regulated activity.
For dealers, this often connects to vehicle finance introductions.
A dealership may update its finance page, change broker arrangements and train new sales staff at different times. A short compliance review helps check that the customer journey, website wording and staff process still match.
Dealers may need FCA authorisation before introducing customers to finance providers.
For application help, see our FCA authorisation support.
Credit broking permission is often relevant where the dealer introduces customers to lenders or brokers.
The finance journey should be clear and documented.
Consumer Duty focuses attention on customer outcomes, understanding, fair value and support.
Dealers should consider how customers understand finance information and disclosures.
Dealerships should have a practical approach for identifying and supporting vulnerable customers.
Staff awareness and clear records are important.
Complaints should be recorded, investigated and reviewed for themes.
Complaint records can also support compliance monitoring.
Website wording should be clear, fair and consistent with the firm’s permissions.
Finance wording and disclosure information should be reviewed periodically.
Some dealers need to prepare FCA consumer credit reporting, including CCR009 where applicable.
For help, see our CCR009 return assistance.
Good records help firms evidence what happened and review whether processes are working.
Monitoring can include file checks, website reviews, complaints and finance records.
In practice this may mean a monthly check of finance files, commission disclosure wording, complaints, website pages and lender changes.
Support may help where a dealer is applying for authorisation, preparing reports or trying to keep ongoing records organised.
Our motor dealer compliance support is built around practical dealership needs.
It means having appropriate permissions, procedures, records and monitoring for regulated activity such as finance introductions.
Some motor dealers need FCA authorisation where they introduce customers to finance providers or carry out credit broking.
Consumer Duty is an FCA framework focused on customer outcomes, including understanding, value and support.
Dealers should keep records of finance introductions, disclosures, complaints, monitoring, vulnerable customer support and reporting information where relevant.
Yes. 009 Compliance supports motor dealers with authorisation, CCR009 preparation and ongoing compliance organisation.
These official FCA pages may help you check the current position before making decisions or submitting information.
009 Compliance provides practical support across FCA authorisation, CCR009 reporting preparation and ongoing motor dealer compliance.
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.
