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Consumer credit

CCR003 deadline and reporting periods

Consumer credit data: lenders (CCR003)

What is CCR003?

The section of the consumer credit returns for lenders.

Who submits it, how often and when

Who submits it
Firms that lend under regulated credit agreements, or exercise the lender's rights and duties under them. Credit brokers and debt collectors that do not lend do not file it.
Frequency
Once a year. Twice a year if your credit revenue is over £5m.
Reporting period
Periods end on your accounting reference date, and 6 months later if you report twice a year.
Deadline
30 business days after the end of each period

Recent changes

  • The consumer credit data table was last amended on 1 January 2026.

Worked example for your accounting reference date

If your credit-related revenue is over £5m (twice a year), with an accounting reference date of 31 March: your next CCR003 periods end and are due as follows (worked out on 3 November 2026).

  • Period ending 30 September 2026, due 11 November 2026
  • Period ending 31 March 2027, due 13 May 2027

If your credit-related revenue is £5m or less (once a year), with an accounting reference date of 31 March: your next CCR003 periods end and are due as follows (worked out on 3 November 2026).

  • Period ending 31 March 2027, due 13 May 2027

If your credit-related revenue is over £5m (twice a year), with an accounting reference date of 31 December: your next CCR003 periods end and are due as follows (worked out on 3 November 2026).

  • Period ending 31 December 2026, due 12 February 2027
  • Period ending 30 June 2027, due 11 August 2027

Dates skip weekends and England and Wales bank holidays where the deadline is counted in business days. Your own RegData schedule is the authority.

Where the rule comes from

This data item applies to all firms with permission for entering into a regulated credit agreement as lender

Get your own CCR003 dates

Enter your FRN and ARD and see every return that is likely to apply to your firm, with period ends and due dates for the next 12 months.

Build my reporting calendar

Want the wider picture? Read the full guide: FCA regulatory reporting deadlines 2026/27.

CCR003: common questions

Who has to submit CCR003?

Firms that lend under regulated credit agreements, or exercise the lender's rights and duties under them. Credit brokers and debt collectors that do not lend do not file it. Your firm's RegData schedule shows whether CCR003 is on your list.

How often is CCR003 submitted?

CCR003 is submitted Once a year. Twice a year if your credit revenue is over £5m.. Periods end on your accounting reference date, and 6 months later if you report twice a year.

What is the CCR003 deadline?

The deadline is 30 business days after the end of each period. Business-day deadlines skip weekends and England and Wales bank holidays. Source: SUP 16.12.29C R (RAG 12); SUP 16 Annex 38A. Confirm the date in your own RegData schedule.

Can I work out my CCR003 dates automatically?

Yes. Enter your FRN and accounting reference date in the FCA regulatory reporting calendar and it will list your period ends and due dates for the next 12 months, with a calendar file you can download.

This page is a planning aid, not regulatory advice. Your firm's RegData schedule is the authority on which returns you must submit and when.