Complaints
PSD/EMD complaints deadline and reporting periods
Payments and e-money complaints return, old format
What is PSD/EMD complaints?
Your report to the FCA on complaints about your payment or e-money services.
Who submits it, how often and when
- Who submits it
- Payment institutions, e-money institutions, registered account information service providers and credit institutions that provide payment services or issue e-money. Small payment institutions and small e-money institutions are included.
- Frequency
- Once a year.
- Reporting period
- Periods are 12 months long and follow your accounting reference date.
- Deadline
- 30 business days after the end of each period
Recent changes
- This return is deleted at the end of 2026 and COM001 replaces it. The FCA has set no transitional rule. A short final period to 31 December 2026 looks likely, due 12 February 2027, but confirm in your RegData schedule what the final return covers.
Worked example for your accounting reference date
With an accounting reference date of 31 March: your next PSD/EMD complaints periods end and are due as follows (worked out on 3 November 2026).
- Final partial period ending 31 December 2026, due 12 February 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
The relevant reporting period is the year immediately following:
- Source: DISP 1.10B.1D, 1.10B.9D, 1.10B.10D (confidence: medium)
Get your own PSD/EMD complaints 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 calendarWant the wider picture? Read the full guide: FCA regulatory reporting deadlines 2026/27.
PSD/EMD complaints: common questions
Who has to submit PSD/EMD complaints?
Payment institutions, e-money institutions, registered account information service providers and credit institutions that provide payment services or issue e-money. Small payment institutions and small e-money institutions are included. Your firm's RegData schedule shows whether PSD/EMD complaints is on your list.
How often is PSD/EMD complaints submitted?
PSD/EMD complaints is submitted Once a year.. Periods are 12 months long and follow your accounting reference date.
What is the PSD/EMD complaints 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: DISP 1.10B.1D, 1.10B.9D, 1.10B.10D. Confirm the date in your own RegData schedule.
Can I work out my PSD/EMD complaints 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.