On 20 May 2025, the Financial Conduct Authority (FCA) updated its webpage on consumer credit reporting to include information on, and links to, the CCR009 return and related data flow diagrams.

CCR009 is used to collect data from all consumer credit firms with permission to carry out the regulated activities of credit broking, debt adjusting, debt counselling, and/or providing credit information services. From 7 May 2025, any firms holding permissions to carry out one or more of those activities will need to provide information on their permissions, business model, marketing, revenue and staff.

The FCA explains that the CCR009 return:

  • Completely replaces CCR004 and CCR005.
  • Replaces elements of CCR002 and CCR007 – these returns are expected to be completed replaced by the end of 2026. The FCA is providing regulatory forbearance until then, meaning that any firms that submit CCR009 will not need to provide similar information on CCR002 or CCR007 where these forms relate to their credit broking or debt management activities.

The webpage also explains that the FCA will use a set of initial questions to decide what information firms need to provide, and it provides links to the following data flow diagrams which firms should use to understand which questions to complete and what data to provide: