CCR009 Is Now Live on RegData: What Consumer Credit Firms Need to Know
Many consumer credit firms are now receiving confirmation that CCR009 has appeared in their RegData schedules.
If you hold permissions for credit broking, debt adjusting, debt counselling or providing credit information services, this new return applies to you.
Here is what has changed and what firms should be doing now.
What is CCR009?
CCR009 is a new regulatory return for certain consumer credit firms.
It is designed to collect more structured data about firms operating in these sectors. The FCA has confirmed that it is accessed through the My FCA portal and is the first return built using its new design standards.
That means it looks different from older returns. The layout is intended to be clearer and more intuitive, with improved navigation and field-level guidance built in.
When does it appear?
CCR009 appears on RegData schedules from 2 March. Firms have 40 business days to complete and submit the return. The first reporting period covers 1 January 2025 to 31 December 2025. The submission deadline is 28 April 2026.
Going forward, CCR009 will be due annually with a submission date mid-February.
What else has changed?
The FCA has also confirmed:
• An Excel version of the data elements is available
• Data flow diagrams have been published
• CCR007 has been reduced and aligned
• REP008 has been amended for limited permission firms to reflect the new reporting schedule
In short, this is not just a new return. It is part of a broader reshaping of consumer credit reporting.
Why this matters
For many smaller firms, regulatory returns can feel administrative. However, they are a key supervisory tool for the FCA.
Accurate and timely reporting:
• Demonstrates control and oversight
• Reduces the risk of follow-up queries
• Supports a firm’s overall compliance record
CCR009 is likely to require firms to gather information in a slightly different way than before. Leaving it until the deadline may create unnecessary pressure.
What firms should be doing now
Firms should:
• Check that the right users have access to My FCA
• Review the available guidance and data templates
• Ensure relevant business data for 2025 is complete and accessible
• Confirm who is responsible for preparing and reviewing the return
For limited permission firms, it is important to understand how CCR009 aligns with existing reporting obligations.
Our view
The FCA’s trajectory is clear: reporting expectations are becoming more rigorous, structured, and data‑centric, with CCR009 marking another step in that direction.
Firms that plan ahead, map out their data requirements, and establish clear accountability will navigate the process far more smoothly than those who delay.
Should you want support assessing your reporting duties or managing RegData submissions, we’d be glad to help.
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