New Enhanced Consumer Credit Reporting (CCR009)

Consumer Credit Data: Relevant Ancillary Credit Firm

What is CCR009?

CCR009 is a mandatory new regulatory return introduced by the FCA for firms with consumer credit permissions. It replaces the previous CCR004 and CCR005 returns and significantly expands the scope of reporting — increasing the number of required questions from just 6 to over 80.

This new return is designed to provide the FCA with granular insights into your firm’s operations, including:

  • Regulatory permissions
  • Business model
  • Marketing channels
  • Revenue streams
  • Staffing and remuneration
  • Customer outcomes

CCR009 reflects the FCA’s shift toward a more outcomes-based, assertive, and data-led approach to supervision. By collecting more detailed data, the FCA aims to identify risks earlier and improve transparency and accountability across the credit market.

This guide outlines the mandatory sections and tailored questions your firm will need to complete, depending on your specific permissions and business activities.

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CCR009 is a new regulatory return introduced by the FCA for firms with permissions in credit broking, debt adjusting, debt counselling, or credit information services. It replaces CCR004 and CCR005 and applies to firms with reporting periods ending after 6 May 2025.

CCR009 includes five mandatory sections:

  • Permissions
  • Business model
  • Marketing channels
  • Revenue (credit and non-credit related)
  • Staffing and remuneration

Additional tailored questions apply depending on your firm’s specific permissions.

Depending on your firm’s size and nature, CCR009 must be submitted annually (year ending 31 December) or half-yearly (half year ending 30 June). The return must be submitted within 40 business days of the period end.

CCR009 is part of the FCA’s move toward a more outcomes-based, assertive, and data-led approach. It aims to improve transparency, identify risks earlier, and reduce the need for ad hoc data requests.

Late or inaccurate submissions may result in regulatory scrutiny, potential enforcement action, and could affect your firm’s reputation and standing with the FCA.

If your firm submits CCR009 and the data overlaps with CCR002 or CCR007, the FCA offers regulatory forbearance, meaning you may not need to duplicate information. However, some elements of CCR002 may still be required depending on your permissions.

  • Review your firm’s permissions and business model.
  • Ensure accurate data collection systems are in place.
  • Familiarise yourself with the FCA Handbook and SUP 16 Annex 38D guidance notes.
  • Use FCA-provided data flow diagrams to determine which questions apply to your firm.