What Information Is Needed for a CCR009 Return? key checks
The reporting question
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.
The dealership records
Where the answer is likely to sit in practice, including lender portals, DMS records, spreadsheets, emails, complaints logs and finance commission statements.
The next sensible step
How to move from reading about FCA consumer credit reporting to keeping monthly MI and submission preparation in a more organised place.
Why accurate data matters
CCR009 reporting relies on information supplied by the firm. Incomplete or poorly organised data can make the return harder to complete and review.
The aim is to build a clear record of the activity that sits behind the figures.
Motor trade example
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 introductions and sales channels
Dealers may need to review how customers were introduced to finance and which sales routes were involved.
This can include showroom activity, online enquiries, telephone sales and any broker-led route where relevant.
For example, a proposal accepted by one lender, a declined application with another lender and a customer who walked away before signing may need to be treated differently in the dealership’s own records.
Lender and broker relationships
A clear record of lender and broker relationships helps explain how the dealership sources finance for customers.
It is useful to keep partner names, arrangement types and any changes during the reporting period.
Commission information
Commission information may be relevant where income is received from finance introductions or related arrangements.
Records should be consistent with the dealership’s own accounting and sales information.
Commission records in practice
If the dealership receives lender commission, keep a clear record of how commission is calculated, where it is disclosed, and how totals are checked before reporting.
Customer fees and charges
Some firms may need to review fees or charges paid by customers in connection with regulated activity.
The key point is to separate these from unrelated vehicle sale costs where the records allow.
Complaints information
Complaints records can matter where issues relate to finance, credit broking, disclosures or customer understanding.
A simple complaint log can make it easier to identify relevant themes before reporting.
Part exchange finance settlements
Where existing finance is settled as part of a part exchange, dealers should keep clear records of the transaction.
These records can help explain customer journeys and finance-related activity.
Turnover and regulated income
CCR009 may ask for information that connects business activity with regulated consumer credit income.
Dealers should understand the difference between general vehicle turnover and income linked to regulated activity.
Prudential or financial information where relevant
Depending on the firm’s permissions and reporting profile, financial or prudential information may be requested.
Firms should check the specific questions shown in their RegData return.
Why monthly MI helps avoid year-end problems
Monthly management information reduces the need to rebuild a full year of activity in one go.
For help structuring records, see our CCR009 return help for motor dealers.
Frequently Asked Questions
What data is needed for CCR009?
Data may include finance introductions, lender and broker relationships, commission information, customer fees, complaints and financial information where relevant.
Does CCR009 include commission information?
Commission information can be relevant where it relates to finance introductions or regulated consumer credit activity.
Do complaints records matter for CCR009?
Complaints records can matter, especially where complaints relate to finance, credit broking or customer understanding.
Should motor dealers track lender information?
Yes. Keeping lender and broker information organised can make CCR009 reporting easier to prepare.
How can 009 Compliance help?
009 Compliance helps motor dealers organise information and prepare structured records for FCA consumer credit reporting.
Official FCA resources
These official FCA pages may help you check the current position before making decisions or submitting information.
- FCA RegData for checking reporting schedules and submitting regulatory returns.
- FCA Register for checking firm status, permissions and appointed representative information.
