In early 2026, we are launching a new 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).
Delays to CCR009
We plan to launch CCR009 in late February 2026 on My FCA[1].
We will confirm when the form is ready to use.
All firms in scope of CCR009 should have received an email with details of this delay and how it impacts your reporting.
You do not need to contact our Supervision Hub.
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.
When to report
Most firms will report 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.
For 2026 data onwards, the annual reporting window will open in January.
Reporting data for 1 January 2025 to 31 December 2025
The reporting window for 2025 will open in late February 2026.
We will confirm when the window opens.
Once the reporting window is open, firms will have 40 business days to submit data covering 1 January 2025 to 31 December 2025.
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[6].
Download CCR009 data elements[7] (xlsx, 29 June 2025).
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2
Check your schedule
Check your schedule and task list on the My FCA portal. (For 2025 data, the window opens in late February 2026.)
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.
We call this branching logic. It will allow us to tailor the questions, so they are more relevant to your actual business model, with a level of detail that is proportionate.
Use our data flow diagrams to understand which questions to complete and what data to provide:
Credit broking – data flow diagram (PDF)[8]
Debt adjusting / debt counselling – data flow diagram (PDF)[9]
Providing credit information services – data flow diagram (PDF)[10]
General – data flow diagram (PDF)[11]
Principal firms with appointed representatives should use the data flow diagrams below.
Credit broking – data flow diagram (PDF)[12]
Debt adjusting / debt counselling – data flow diagram (PDF)[13]
Providing credit information services – data flow diagram (PDF)[14]
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) alongside a reduced amount of information for data item CCR007 (see below for details).
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 elements of CCR002 and CCR007. Until these returns are completely replaced, we are providing regulatory forbearance. 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 revenue data in column B for all relevant activities.
However, you may leave data blank that relates to fee mechanism, total customer and total transactions for either:
- Credit broking (row 9).
- Debt management activities (row 10).
CCR007
You may leave blank fields 1A to 3A where these relate to credit broking or not-for-profit debt management activities only.
All firms must still complete the remaining fields.
Where a firm undertakes additional limited permission activities, you should still report information based on those other activities (eg limited permission lending or consumer hire).
Why we’re introducing 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 also 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[16] of becoming a smarter regulator, helping consumers navigate their financial lives, and fighting crime.
