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Consumer credit

Credit PSD deadline and reporting periods

Consumer credit product sales data (PSD008)

What is Credit PSD?

A return on the consumer credit agreements you have made and how they perform.

Who submits it, how often and when

Who submits it
Consumer credit lenders above the FCA's size thresholds, and short term loan firms outside the thresholds. The Register does not show lending volumes, so check your schedule.
Frequency
Every 3 months.
Reporting period
Calendar quarters ending 31 March, 30 June, 30 September and 31 December.
Deadline
20 business days after each quarter for sales data. 30 business days for performance data

Recent changes

  • Starts in phases. The largest lenders (threshold 2, category A) start from the quarter beginning 1 July 2025 and threshold 1 category A lenders from 1 January 2026. Category B firms start later.

Worked example for your accounting reference date

With an accounting reference date of 31 March: your next Credit PSD periods end and are due as follows (worked out on 3 November 2026).

  • Period ending 31 December 2026, due 29 January 2027
  • Period ending 31 March 2027, due 28 April 2027
  • Period ending 30 June 2027, due 28 July 2027
  • Period ending 30 September 2027, due 28 October 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 four calendar quarters of each year beginning on 1 January

Get your own Credit PSD 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.

Credit PSD: common questions

Who has to submit Credit PSD?

Consumer credit lenders above the FCA's size thresholds, and short term loan firms outside the thresholds. The Register does not show lending volumes, so check your schedule. Your firm's RegData schedule shows whether Credit PSD is on your list.

How often is Credit PSD submitted?

Credit PSD is submitted Every 3 months.. Calendar quarters ending 31 March, 30 June, 30 September and 31 December.

What is the Credit PSD deadline?

The deadline is 20 business days after each quarter for sales data. 30 business days for performance data. Business-day deadlines skip weekends and England and Wales bank holidays. Source: SUP 16.11.1R, 16.11.3R(1)-(2A). Confirm the date in your own RegData schedule.

Can I work out my Credit PSD 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.