Find out how to complete the regulatory return for consumer credit: CCR009.
The CCR009 return completely replaces CCR004 and CCR005.
It also replaces elements of CCR002 and CCR007 (see below for more details).
Who needs to submit CCR009
CCR009 will collect data from consumer credit firms with permission to carry out any of the following regulated activities:
Depending on your activities and business model, the form will tell you what data you need to submit.
Your firm's Principal User has been given access to this return.
They will need to give permission for other RegData users to be able to view, edit or submit this return.
When to report
Most firms must submit CCR009 once a year.
Large firms with annual revenue of £5m or more from credit-related regulated activities must report every 6 months.
All firms should provide information based on calendar year (1 January to 31 December), not the firm’s accounting reference date.
How to submit CCR009
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1
Prepare
Check our data flow diagrams to find out what data you may need to provide.
Find details of the data elements required by CCR009 under SUP 16 Annex 38D.
Download an excel version of the CCR009 data elements covered by this annex below.
Download CCR009 data elements (xlsx)
This file reflects SUP 16 Annex 38D as updated on 27 June 2025.
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2
Check your schedule
Check your schedule and task list on the My FCA portal.
When the reporting window opens, you’ll have 40 business days to submit.
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3
Submit your data
Depending on your activities and business model, the form will tell you what data you need to submit.
What data to provide
The CCR009 return is designed to only show questions or data requests that are relevant to your firm’s activities.
It allows us to tailor the questions, so they are more relevant to your actual business model, with a level of detail that is proportionate.
You can use our data flow diagrams to understand which questions to complete and what data to provide.
(Principal firms with appointed representatives must complete additional questions. For details, see the principal firm diagrams below.)
Credit broking – data flow diagram (PDF)
Debt adjusting / debt counselling – data flow diagram (PDF)
Providing credit information services – data flow diagram (PDF)
To find the Data Reference Guide, including details of any validations within the form, search 'CCR009' in RegData resources.
Contact your RegData Principal User if you cannot see the data item on the website page.
Limited permission firms
Limited permission firms who hold permission for credit broking, debt adjusting, debt counselling, or providing credit information services must submit data item CCR009 (Relevant Ancillary Credit Firm) plus a reduced amount of information for data item CCR007 (see below for details).
We have updated the deadlines for REP008 returns so they match up with the schedule for CCR007. You need to complete REP008 if your firm has taken disciplinary action for a Conduct Rule breach.
Replacement of existing returns
CCR009 came into effect on 7 May 2025. It replaces CCR004 and CCR005. Firms with a reporting period end date after 6 May 2025 do not need to complete CCR004 and CCR005.
From 7 May 2025, any firm which holds one, or more, of those activities will need to provide information on their:
- permissions
- business model
- marketing
- revenue
- staff
The CCR009 return completely replaces CCR004 and CCR005.
It also replaces some parts of CCR002 and CCR007. Until these returns are removed, we’re allowing firms extra flexibility. You still need to submit these returns when they’re due, but you won’t need to fill in as many sections as you used to.
Any firms that submit CCR009 do not need to provide similar information on CCR002 or CCR007 where these forms relate to their credit broking, or debt management activities.
Firms do not have to complete the specific data points listed below.
CCR002
You must complete accurate revenue data in column B for all relevant activities.
However, for either credit broking (row 9) or debt management activities (row 10), you may report default values for the remaining columns:
- fee mechanism ('Combination')
- total customers ('0')
- total transactions ('0')
CCR007
You may report '0' in fields 1A and 3A where these relate to credit broking or not-for-profit debt management activities only.
Where a firm undertakes additional limited permission activities, you should still report accurate information in these fields based on those other activities (eg limited permission lending or consumer hire).
All firms must still report accurate information in the remaining fields.
Why we introduced CCR009
We have been working closely with firms to:
- streamline our data collection
- maximise the value of the data we collect
- reduce the burden on firms
Insights from this data will help us make more informed decisions to support growth.
The new return will help us collect only the data we need to supervise firms effectively, so they can focus on high-value reporting that supports better consumer and market outcomes.
This will support our strategic objectives of becoming a smarter regulator, helping consumers navigate their financial lives, and fighting crime.
