What Is CCR009? 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.
What CCR009 is in simple terms
CCR009 is a regulatory return used by the Financial Conduct Authority to collect information from certain consumer credit firms.
For a motor dealer, it may relate to activity such as introducing customers to finance, dealing with lenders or brokers, and receiving income connected with regulated credit activity.
A useful way to think about it is this: accounts show how the business performed financially, while the FCA CCR009 return asks for information about regulated consumer credit activity.
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.
Why the FCA uses CCR009
The FCA uses regulatory returns to understand the type and scale of activity taking place across authorised firms.
CCR009 helps the regulator gather structured information about consumer credit activity rather than relying only on accounts, websites or firm descriptions.
Why motor dealers should understand CCR009 reporting
Many dealerships see themselves first as vehicle retailers, but finance introductions can bring FCA reporting responsibilities.
Understanding CCR009 early helps a dealer know what information may need to be tracked during the year, especially where finance, commission or customer fee records are involved.
For a dealer principal or sales manager, the practical issue is knowing where the finance introduction data, lender information and commission information are kept before the return is due.
How CCR009 connects to FCA RegData
CCR009 is normally handled through FCA RegData, the FCA platform used for regulatory reporting.
Firms should check their own RegData account and reporting schedule because the return, timing and required information depend on the firm’s permissions and reporting profile.
How CCR009 differs from business accounts or tax reporting
CCR009 is not the same as preparing annual accounts or a tax return. Business accounts look at financial performance for accounting and tax purposes.
A consumer credit return focuses on regulated activity, such as finance introductions, income connected with that activity, complaints and other information the FCA may request.
Why monthly record keeping makes the return easier
CCR009 becomes harder when a firm waits until year end and then tries to reconstruct figures from sales files, lender portals and spreadsheets.
Monthly management information gives the business a clearer record of finance activity while it is still fresh.
When a dealer may need support
Support may be useful where a dealer is unsure how its finance activity is recorded, where information is held in several places, or where the RegData return raises unfamiliar questions.
For practical help, see our CCR009 return assistance for motor dealers.
Frequently Asked Questions
What does CCR009 stand for?
CCR009 is commonly referred to as the FCA consumer credit regulatory return. It is used to collect information about certain consumer credit activities.
Is CCR009 submitted through FCA RegData?
In most cases, CCR009 reporting is handled through FCA RegData. Firms should check their own RegData schedule for current requirements.
Is CCR009 only for motor dealers?
No. CCR009 is not only for motor dealers. It can apply to different types of firms with relevant consumer credit permissions.
Do all FCA-authorised firms submit CCR009?
No. Reporting depends on the firm’s permissions and FCA reporting profile, so each firm should check its own requirements.
Can 009 Compliance help with CCR009?
Yes. 009 Compliance can help motor dealers organise the information needed for CCR009 reporting and understand the process in plain English.
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.
