FCA Reporting Change – What Cycle Shops Need to Know (CCR009)
Page published: April 2026
This guidance is provided by the Association of Cycle Traders (ACT) for informational purposes only and reflects our current understanding and interpretation of FCA reporting requirements, including CCR009.
We are not the Financial Conduct Authority, nor are we acting as legal or regulated compliance advisors. This material should not be relied upon as formal legal, regulatory, or financial advice.
Retailers remain responsible for confirming their own regulatory obligations and, where necessary, should seek independent professional advice or refer directly to the FCA or their finance provider.
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In May 2025 the Financial Conduct Authority (FCA) introduced a new annual reporting requirement called CCR009.
If your shop offers regulated finance (e.g. through ACT partner V12 Retail Finance), this applies to you.
- This is a mandatory FCA requirement for firms carrying out regulated consumer credit broking activity and is involved in introducing customers to regulated finance agreement
- It only applies where a retailer is FCA-authorised
- It’s more about describing your business than reporting detailed finance data
- Most shops should already have the information, but may need to organise it
- Although the return is relatively simple, you will need to have your numbers ready
- CCR009 does not require firms to report or confirm “0% unregulated activity”. The return focuses only on regulated credit broking activity and associated revenue; unregulated business activity sits outside the scope of the credit broking reporting sections
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What this means for your shop
If you act as a credit broker (i.e. you introduce customers to finance), you will now need to:
- Submit a new FCA return (CCR009)
- Report on your credit activity for the calendar year
- First return covers: 1 Jan – 31 Dec 2025
- Submission window: The first CCR009 reporting window opened on 2 March 2026, and firms have 40 business days from that date to submit their return
Note: You should expect a submission deadline around late April 2026 but must confirm this via your FCA reporting portal
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Access and guidance
- Access the CCR009 form via your My FCA portal (previously access Connect, Online Invoicing Systems and RegData.). It will be listed under “My FCA tasks”
- There is an explainer video here, which gives an overview of the CCR009 form and explains all the information you need before you start
- The form will be partly populated with your specific firm data to save time and ensure accuracy
- You will be asked a series of questions about the permissions you hold; your answers here will result in the form only showing the sections relevant to your organisation
- There is further guidance links on the form accessible when you’re filling it in
- Any errors you’ll see them as you complete the form
- Check your answers before submitting
- You can download a copy of the form for your records
- Submit the form in RegData part of My FCA
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What you’ll actually have to report
This is high-level, not detailed finance data. Expect to provide:
- Whether and how you use finance in your business
- Indicate the types of products you offer on finance (e.g. bikes, accessories, or services), using simple categories rather than detailed breakdowns.
- How you promote finance (in-store, online, POS)
- Total number of finance introductions (not approvals/declines)
- Broad split of revenue (finance vs non-finance)
- How many people in your business are involved in offering or administering finance. Provide a high-level indication of how many staff are involved in offering finance and whether this is a core or occasional part of their role
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What you DON’T need to do
- No detailed loan data (APR, values, terms)
- No need to track approvals vs declines
- No requirement to get data from your lender
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First-year flexibility
The FCA allows firms to annualise (estimate) figures for the first CCR009 return where full-year data is not available, based on actual data where possible. You can estimate (annualise) figures if you don’t yet have full-year data
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Support
If you’re unsure:
- Speak to your finance provider (e.g. V12)
- FCA helpline 0800 111 6768 (freephone)
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Links