CCR009 guide for motor dealers
CCR009 is an FCA regulatory return used to collect information from firms carrying out certain consumer credit activities, including credit broking. Most FCA-authorised motor dealers that introduce customers to finance will be required to submit a CCR009 return through the FCA's RegData system.
The return was introduced by the FCA in 2025 and replaced previous reporting requirements, including CCR004 and CCR005, while also incorporating elements of CCR002 and CCR007. The aim is to provide the FCA with a clearer picture of how consumer credit firms operate, generate revenue and conduct regulated activities.
CCR009 applies to firms with permissions for activities such as:
Most FCA-authorised motor dealers that arrange or introduce finance for customers will fall within the scope of the return. However, firms should always check their reporting schedule within RegData to confirm which FCA returns apply to their business.
The FCA uses CCR009 to gather information about a firm's business activities, revenue and operating model.
The return contains five core sections covering:
Additional questions are then tailored to the firm's permissions and activities. As a result, not every firm will see the same questions within the return.
For motor dealers, CCR009 may include questions relating to:
The exact information requested will depend on the firm's permissions, business model and regulated activities.
Most firms complete CCR009 using calendar-year data covering the period from 1 January to 31 December.
The FCA opens a reporting window through RegData and firms are generally given 40 business days to review, complete and submit their return. Some firms may have different reporting frequencies depending on their permissions and reporting requirements.
Firms should check their RegData reporting schedule regularly to ensure they are aware of upcoming deadlines and reporting obligations.
Many motor dealers do not realise how much information may be required until they open the CCR009 return for the first time.
Information relating to finance introductions, regulated income, marketing activity and staff involvement is often stored across several systems. Attempting to gather this information shortly before the deadline can be time-consuming and may increase the risk of errors.
Many firms only begin reviewing their CCR009 return once the FCA reporting window opens. Preparing information throughout the year can make the process significantly easier and reduce the risk of missing important data when the return becomes due.
Maintaining accurate records throughout the year helps make completing the CCR009 return quicker, easier and more accurate.
Some of the most common issues include:
Because CCR009 contains questions that are tailored to a firm's permissions and activities, businesses should ensure they understand exactly what information applies to them before completing the return.
No. While all firms complete the core sections, additional questions are tailored according to a firm's permissions, business model and regulated activities.
The easiest way to check is by reviewing your firm's reporting schedule within RegData. This will show which FCA regulatory returns apply to your business.
Firms are expected to submit regulatory returns by the deadline set by the FCA. Late submissions can lead to regulatory attention and potential action, so it is important to understand your reporting obligations and prepare in advance.
CCR009 is completed and submitted through the FCA's RegData reporting system.
009 Compliance provides administrative support to FCA-authorised motor dealers and consumer credit firms throughout the UK.
We can help you understand the information required, organise your records and prepare the data needed before completing your CCR009 return. This can help make the reporting process more efficient and reduce the time spent gathering information at the last minute.
Whether you are completing a CCR009 return for the first time or looking to improve your reporting processes, we can assist with the administrative preparation required before submission.
We do not provide regulated advice. Responsibility for reviewing, approving and submitting regulatory returns always remains with the authorised firm.
If you are unsure what information may be required for your CCR009 return, or would like assistance organising your records before your reporting deadline, Contact 009 Compliance today.
We support motor dealers across the UK with FCA administration, regulatory reporting preparation and ongoing compliance support.
