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 RegData 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.

Going forward, CCR009 falls due annually from 1 January.

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 the RegData Portal
• 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 direction is clear. Reporting is becoming more structured and more data driven. CCR009 is part of that shift.

Firms that prepare early, understand the data required and allocate responsibility clearly will find the process far smoother than those who treat it as a last-minute task.

If you would like support reviewing your reporting obligations or managing your RegData submissions, we are always happy to help.