An authorised payment or e-money institution files about ten recurring returns with the FCA: a safeguarding return every month, the REP017 fraud report twice a year, and a yearly round that includes FSA056 or FIN060, REP018, REP-CRIM, the controllers and close links reports, the complaints return and the safeguarding audit. Most of the yearly ones count from your accounting reference date.
Every month
- Safeguarding return: within 15 business days of each month end, since 7 May 2026 (SUP 16.14A).
Twice a year
- REP017 payments fraud report: within two months of 30 June and 31 December (SUP 16.13.8D).
- Complaints return: yearly under DISP 1.10B until the end of 2026, then twice a year on the single complaints return from 2027.
Once a year, from your year end
- FSA056 for payment institutions or FIN060 for e-money institutions: within 30 business days.
- REP-CRIM: within 60 business days, unless you only provide account information, payment initiation or money remittance.
- Controllers report and close links report: within four months.
- Safeguarding audit: within 4 months of the end of the audit period, which you can align with your year end. First reports under the new rules get 6 months.
Once a year, on other dates
- REP018 operational and security risk assessment: at least once every calendar year, on a date you choose.
- Consumer Duty board report: usually by 31 July.
- FCA periodic fees: 30 days after the invoice, issued between July and September.
Small institutions
Small payment institutions file FSA057 instead of FSA056, within one month of 31 December. Small institutions submit both REP017 half-years together, within two months of 31 December. Small e-money institutions file FIN060 and also FSA065, the e-money outstanding at 31 December.
Beyond the FCA
You also have Companies House and HMRC deadlines, in the UK limited company checklist, and AML reviews, in the AML compliance checklist. Most of the FCA dates follow your accounting reference date, so give the FCA notice before changing it (SUP 16.13.3C).
Get reminded before each deadline
Regmindr sets up your compliance calendar from a template in about two minutes, and emails your team before each deadline is due.
Sources
- FCA Handbook: SUP 16.13 Reporting under the Payment Services Regulations
- FCA Handbook: SUP 16.14A Safeguarding return
- FCA Handbook: SUP 16.15 Reporting under the Electronic Money Regulations
- FCA Handbook: SUP 16.23 Annual Financial Crime Report
- FCA Handbook: SUP 3A Payment services and electronic money
- FCA Handbook: DISP 1.10B Payment services and electronic money complaints reporting
This page is a summary, not legal or regulatory advice. The rules in the sources above take precedence.