FCA Regulatory Reporting and RegData Support
Understanding FCA Regulatory Reporting
FCA regulatory reporting is how the regulator maintains a regular, consistent view of your business. Through RegData, firms submit information on their activities, financial position and risk profile, which the FCA uses to supervise firms, identify trends and assess potential areas of concern.
For many firms, the challenge is not willingness to comply, but clarity. It is not always obvious what needs to be reported, how frequently, or how individual returns are interpreted when viewed together over time.
Clear, consistent data helps avoid unnecessary questions and regulatory distraction. In practice, what matters most is:
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Data quality and consistency: The FCA looks at reporting over time and across returns, not just individual submissions.
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FCA use of RegData: RegData is used to monitor firms, identify trends and inform supervisory focus.
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Follow‑up and remediation: Errors or omissions can lead to follow‑up questions or reviews, particularly where issues recur or suggest wider control gaps.
1000+
Successful FCA applications
Winner of Best Financial Services Compliance Consultancy 2020 - 2024
2000+
Happy customers served
Sectors We Support
Investments and Wealth
Typical returns
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Data report on stakeholder pensions
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Persistency report on stakeholder pensions
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PSD Product Sales Data reports
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Investment Firm Group reporting (FPR, FSA, FIN and MIF)
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AIF001 AIFMD Manager Report and AIFMD Data Types
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REP015 Retirement income data reporting
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MIFIDPRU Remuneration report
Credit and Mortgages
Typical returns
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CCR001 – Financial Data
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CCR002 – Volumes
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CCR003 – Lenders
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CCR006 – Debt Collection
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CCR007 – Key Data Credit Firms with Limited Permission
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CCR008 – Credit Broking
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CCR009 – Relevant Ancillary Credit Firm
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PSD008 – Sales Data
Insurance
Typical returns
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REP019 – General Insurance Value Measures Reporting
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REP021 – Home and Motor Insurance Reporting
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GI Pricing Practices -Annual Senior Manager Attestation
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CMA Annual Private Motor Insurance Compliance Statement
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FP001 – Quarterly Conduct Return
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FP003A – Funeral Plan Providers Prudential Return
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FP003B – Funeral Plan Intermediaries Prudentia Return
Claims Management
Typical Returns
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CMC001 – Annual Claims Management Report
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CMC Complaints
Payment Services
Typical returns
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REP017 Payments Fraud Report
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PS-Complaints Electronic Money and Payment Services Complaints Return
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FSA056 Authorised Payment Institution Capital Adequacy Return
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REP027 Safeguarding Return (NEW return as of 21/07/2026)
Typical Cross-Sector Returns
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REP002 Annual controllers report
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REP001 Annual close links report
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FIN-A Annual report and accounts
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Integrated Regulatory Reporting (RAG reports)
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RMAR Retail Mediation Activity Returns
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CMAR Client Money and Asset Return
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REP-CRIM Annual Financial Crime Report
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Directory Persons report
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FIN073 Baseline Financial Resilience Report
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Financial promotion approver reporting
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REP018 Operational and Security Risk
ICARA and FCA Prudential Reporting
Common Regulatory Reporting Challenges
Even well‑run firms can find regulatory reporting difficult to manage in practice. The issues we see most often are not about intent, but about complexity, resourcing and change over time.
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Understanding what needs to be reported
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Data quality and consistency
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Changes to the business or permissions
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Resource and knowledge gaps
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Responding to FCA follow-up
Addressing these challenges early helps reduce unnecessary regulatory engagement and makes reporting more manageable over the long term.
FCA and PRA Regulatory Reporting
Where firms need ongoing support with FCA regulatory reporting, data quality or RegData processes, this is covered through our dedicated FCA Regulatory Reporting and RegData Support service.
What Our Clients Say
“Our experience of working with Thistle Initiatives to add our CASS permissions has been great. Thistle helped to create the application to vary our FCA permissions and helped to respond to the FCA’s detailed questions following submission. Thistle assisted quickly and clearly at all times, including during the more complex aspects of the process.”
“Our experience of working with Thistle Initiatives has been exceptionally good. After due consideration and comparison of various service providers, WMG Advisors engaged Thistle to perform an external review of our systems and controls, our policies and procedures and to provide ongoing training to meet our compliance needs. Thistle deployed serious resources to the project, and provided comprehensive analysis and recommendations. Thistle has responded quickly and clearly to all of our requests to date. We continue to be impressed with both the methodology and the people that we deal with throughout their organisation.”
“Thistle Initiatives provide us with invaluable expertise with their ongoing compliance support and delivered end-to-end assistance with our FCA application to add Alternative Investment Fund Management to our permissions. The service from the team is always on-point and efficient; we highly recommend them.”