Regulatory Reporting Support for Payment Firms & EMIs
Accurate, timely FCA regulatory reporting — PSR001, PSR002, EMF001, capital adequacy, safeguarding and financial crime returns.
Speak to an ExpertWhat We Do
FCA-regulated payment institutions and electronic money institutions face multiple recurring reporting obligations. We prepare and submit all required returns accurately and on time — ensuring your firm meets its regulatory obligations without diverting internal resources.
FCA Payment Services Returns (PSR001, PSR002)
We prepare and submit the FCA’s payment services regulatory returns. PSR001 covers transaction volumes, complaint data and agent/distributor information. PSR002 covers safeguarding, capital adequacy and revenue data. We ensure returns are accurate, complete and submitted on time.
EMI Returns (EMF001)
Electronic money institutions must submit EMF001 returns covering outstanding e-money, safeguarding data, capital adequacy and operational information. We prepare these returns and ensure compliance with reporting deadlines.
Capital Adequacy Reporting
We calculate and report capital adequacy requirements for payment institutions and EMIs under the Payment Services Regulations and Electronic Money Regulations, including own funds calculations and Method A/B/C/D calculations.
Safeguarding Reporting (PS25)
From June 2026, PS25 introduces enhanced safeguarding reporting obligations. We support firms with the new reporting requirements including safeguarding reconciliation data, resolution pack information and annual safeguarding audit submissions.
Annual Financial Crime Reporting
We prepare annual financial crime data returns including REP-CRIM and other FCA submissions covering suspicious activity reports, fraud data and financial crime control information.
Reporting Retainer
We offer a reporting retainer service covering all recurring FCA submissions. We track deadlines, prepare returns and manage submissions so your team can focus on operations.
Frequently Asked Questions
Payment institutions must file PSR001 and PSR002 returns covering transaction volumes, safeguarding, capital adequacy, complaints and agent information. The frequency depends on firm size.
EMIs file EMF001 returns covering outstanding e-money, safeguarding, capital adequacy and operational data, in addition to payment services returns if they also provide payment services.
Most returns are filed annually, with larger firms filing semi-annually or quarterly. We track all deadlines and ensure timely submission.
The FCA may take supervisory action for late or inaccurate reporting, including potential fines. Late filing is also a factor in FCA risk assessments of your firm.
Yes. Our reporting retainer covers all recurring FCA submissions for payment and e-money firms, including new PS25 safeguarding reporting requirements.
PS25 introduces new safeguarding reporting obligations from June 2026, including resolution pack information and enhanced reconciliation reporting.
Speak to Our Team
Get in touch to discuss how we can support your regulatory and compliance needs.
info@regulatorycounsel.co.uk | 2 Frederick Street, London WC1X 0ND