Product sales data – credit agreements

Product sales data (PSD)[1] collections provide detailed information on individual credit agreements. This includes:

• Sales PSD: characteristics of the agreement and borrower at the start of the agreement
• Performance PSD: the ongoing activity in relation to some of these agreements. 

Who must submit

Firms with a permission for consumer credit lending[2] who have reported in their CCR003 submissions an annual total value of £2m or more in outstanding consumer credit balances and/or new consumer credit advances must submit Credit Agreement Sales (PSD008) reports and Credit Agreement Performance (PSD009) reports for all their relevant regulated credit agreements[3].  

When a lender first comes into the scope of these reports, you’ll need to submit a one-off Credit Agreement Back-book (PSD008a) report. This report will provide details of credit agreements that will be included in your first PSD009 report but will not be included in your first PSD008 report.

All regulated credit agreements are 'relevant regulated credit agreements' under SUP 16 Annex 20[4], other than:

• Overdrafts.
• Regulated credit agreements[3] secured on land[5].

Firms with permission to enter into high-cost short-term credit[7] or home credit loan agreements[8] who have not reported £2m or more in outstanding consumer credit balances and/or annual new consumer credit advances must submit Short Term Loans (PSD006) reports in relation to the sale of these types of agreements.

When to submit PSD reports for credit agreements

Firms must submit all consumer credit related PSD collections on a calendar quarterly basis.

Firms must complete PSD items in the following time frames: 

When firms first fall within scope of the PSD008 and PSD009 reports, there is a period of time before their first reporting periods.

PSD006 reports will be scheduled as soon as the firm becomes authorised for one of the relevant permissions.

What information to submit

Find details of the data elements required by these PSD reports under SUP 16 Annex 21R[9].

Download an Excel version of the consumer credit-related data elements covered by this annex below: 

Download data elements (xls)[10] 

This file reflects SUP 16 Annex 21R as updated on 28 February 2025. 

If your firm cannot report specific data elements or does not hold the information currently, read our preferred approach in the spreadsheet.

We do not expect firms to review the preferred approaches in full.

This is not Handbook Guidance and does not replace the requirements set out in SUP 16 Annex 21. 

How to submit product sales data for credit agreements

The following Data Reference Guides are available on the RegData Resources[11] page:

• PSD006 – Product Sales Data – Short Term Loans
• PSD008 – Product Sales Data – Credit Agreement Sales
• PSD008a – Product Sales Data – Credit Agreement Back-book
• PSD009 – Product Sales Data – Credit Agreement Performance

These contain XML specifications and details of validations applied to all data elements needed in your PSD report.

Use our data flow diagrams to check which data elements you must, or must not, report for different relevant regulated credit agreements:  

PSD008 Credit Agreement Sales: data flow diagram (PDF)[12]

PSD008a Credit Agreement Back-book: data flow diagram (PDF)[13]

PSD009 Credit Agreement Performance: data flow diagram (PDF)[14]

Watch our explainer video on how to submit PSD items[15]

Find more help on how to submit PSD[1].

Check your files are valid

Use our RegData Industry Test Environment[16] to check your XML files are valid for each PSD report type.

To request access, email: [email protected].