CCR009 reporting obligations
If your business is authorised by the FCA for certain consumer credit activities, you may be required to submit a CCR009 return through the FCA's RegData system.
For many FCA-authorised motor dealers, CCR009 forms part of their ongoing regulatory reporting obligations. The return allows the FCA to collect information about a firm's business model, regulated activities, revenue, marketing methods and staff involved in consumer credit activities.
If your dealership introduces customers to finance, works with finance providers or carries out regulated credit broking activities, it is important to understand whether CCR009 applies to your business.
CCR009 is an FCA regulatory return used to collect information from firms carrying out certain consumer credit activities.
Introduced in 2025, CCR009 replaced several previous consumer credit reporting requirements and forms part of the FCA's wider regulatory reporting framework.
The return is completed through the FCA's RegData platform and is designed to help the FCA understand how consumer credit firms operate and generate revenue.
CCR009 may apply to firms with permissions for activities such as:
The exact reporting requirements will depend on the permissions held by the business and the firm's individual reporting profile.
Not every FCA-authorised business will have the same reporting obligations, even if they operate within the same sector.
Many FCA-authorised motor dealers will be required to submit CCR009 because they hold credit broking permissions and introduce customers to finance providers.
Where a dealership regularly assists customers with finance applications, introduces finance products or receives commission from finance transactions, FCA reporting obligations are likely to apply.
However, businesses should never assume that their reporting requirements are identical to those of another dealer. Reporting obligations are based on permissions, activities and the firm's FCA reporting profile.
The easiest way to check is by logging into RegData and reviewing your firm's reporting schedule.
Your FCA Register entry can also help confirm the permissions held by your business.
By reviewing both your FCA permissions and your reporting schedule, you can identify which regulatory returns are due and when they must be submitted.
CCR009 may be relevant if your dealership:
While these activities do not automatically confirm that CCR009 applies, they are commonly associated with FCA consumer credit reporting requirements.
Failing to understand your reporting obligations can create unnecessary problems for a business.
Many motor dealers only discover that a return is due when a reporting deadline approaches. By regularly reviewing your RegData reporting schedule and maintaining accurate records throughout the year, you can make the reporting process significantly easier.
Good preparation also reduces the risk of delays, incomplete information and last-minute administration.
No. Whether a dealership must complete CCR009 depends on its FCA permissions, business activities and reporting profile. The best way to confirm this is by checking your reporting schedule within RegData.
You can review your firm's entry on the FCA Register, which will show the permissions held by your business.
CCR009 is completed and submitted through the FCA's RegData reporting system.
Many firms complete CCR009 annually, although reporting requirements can vary depending on the firm's circumstances and FCA reporting profile.
CCR009 contains questions relating to areas such as permissions, business model, marketing, revenue and staff. Additional questions may be included depending on the firm's activities and permissions.
009 Compliance provides administrative support to FCA-authorised motor dealers throughout the UK.
If you are unsure whether CCR009 applies to your business, need help understanding your reporting obligations or require assistance organising information before a reporting deadline, we can help.
We support motor dealers with FCA administration, regulatory reporting preparation and ongoing compliance support.
Please note that we do not provide regulated advice. Responsibility for reviewing, approving and submitting regulatory returns always remains with the authorised firm.
