CCR009 preparation guide
Preparing for a CCR009 return is easier when the work is done in a clear order. This guide gives motor dealers a practical sequence for organising finance, commission and complaints information.
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.
Begin by reviewing the permissions held by the firm and the activity it carries out.
This gives context for the information that may be relevant to the CCR009 return.
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.
Before gathering figures, confirm the reporting period shown in FCA RegData.
Using the wrong period can create avoidable confusion later.
Review the finance introductions made during the period and how those introductions were recorded.
This should include the main routes customers used to access finance.
Where records are spread across spreadsheets, DMS reports, lender portals and emails, create one preparation file that explains the source of each figure.
Prepare a clear list of lenders, brokers and finance partners used by the dealership.
Note any changes that occurred during the reporting period.
Gather records of commission or other finance-related income.
Where possible, keep the records traceable to the underlying deals or lender statements.
Review whether any customer fees or charges are connected with regulated activity.
Separate those records from unrelated vehicle sale costs where appropriate.
Check complaints records for finance-related themes, outcomes and closure information.
This helps the dealership understand whether complaints information is relevant to reporting.
Make sure the correct person can access FCA RegData and that login details are working.
This should be done before the submission window becomes urgent.
Before submission, review the information for obvious gaps, duplicated figures or inconsistent records.
The firm remains responsible for the accuracy of information submitted.
Ask whether the finance introduction totals, commission totals, lender list and complaints records look consistent with the dealership’s trading activity for the period.
Once the return is complete, set up monthly management information for the next reporting period.
For support with this process, we can help you prepare for your CCR009 return.
They should review permissions, confirm the reporting period, gather finance and commission records, review complaints and check RegData access.
Preparation should start well before the deadline. Monthly record keeping can make the annual return easier.
Start with FCA permissions and the reporting period, then review finance introduction data and related records.
Yes. Firms should confirm FCA RegData access before the reporting window becomes urgent.
Yes. 009 Compliance can help motor dealers organise the information needed before CCR009 reporting.
These official FCA pages may help you check the current position before making decisions or submitting information.
We help motor dealers organise the information needed for FCA consumer credit reporting.
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.
