Who Needs to Submit 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.
Why CCR009 depends on FCA permissions
CCR009 is linked to regulated consumer credit activity. A firm’s permissions help determine which FCA returns may appear in its reporting schedule.
This means a dealer should not assume that another business has the same obligations simply because it sells similar vehicles.
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.
Motor dealers and credit broking activity
Many motor dealers introduce customers to lenders or brokers as part of the vehicle sales process.
Where a dealership has credit broking permission, it may need to pay close attention to FCA consumer credit reporting, including whether CCR009 appears in RegData.
A dealer using a lender panel, sending customers to a broker, or helping customers complete finance proposals should look closely at its permissions and RegData schedule.
Finance introductions and consumer credit permissions
Finance introductions are often the reason a dealership becomes authorised by the FCA.
The permissions held by the firm, the activity it carries out and the FCA reporting schedule should all be checked together.
Other permissions that may affect CCR009
Some firms hold additional permissions that go beyond simple credit broking. These can affect the type of reporting information the FCA expects.
A dealer should review its own FCA Register entry and RegData schedule rather than relying on a general assumption.
Why firms should check their FCA Register details
The FCA Register shows important public information about a firm, including its current status and permissions.
Checking those details can help a dealership understand the activities it is authorised for before reviewing its reporting obligations.
Why two dealers may have different reporting obligations
Two dealerships may look similar from the outside but hold different permissions, use different finance arrangements or have different reporting schedules.
That is why CCR009 should be checked by reference to the individual firm, not by copying what another dealer does.
What to do if you are unsure
If CCR009 appears in RegData or you are unsure what information may be needed, take time to review the firm’s permissions, reporting period and available records.
You can also speak to us about CCR009 support for motor dealers.
Practical check
Do not only ask whether you sell cars. Check whether the dealership introduces customers to finance, receives commission, handles part exchange finance settlement figures or describes finance on its website.
Frequently Asked Questions
Do motor dealers need to submit CCR009?
Some motor dealers may need to submit CCR009 depending on their FCA permissions and reporting schedule. Firms should check FCA RegData and their own permissions.
Does credit broking permission affect CCR009?
Credit broking permission can be relevant because CCR009 relates to consumer credit activity. The firm’s full reporting profile should still be checked.
Where can a firm check its FCA permissions?
A firm can check its public permissions on the FCA Register and should also review its FCA RegData reporting schedule.
Can reporting requirements differ between dealers?
Yes. Reporting requirements can differ because firms may hold different permissions or have different reporting profiles.
What should a dealer do if it is unsure?
The dealer should check its FCA Register details, RegData schedule and internal records. It can also seek suitable professional support.
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.
