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Use this diagram to find out whether your firm is required to submit the RMAR MLAR and/or Complaints Return.

Complaints return

Please note that all firms (unless exempt) are required to complete and submit a complaints return using an online web form within 30 days of their accounting reference date (ARD) and half year accounting reference date from 1 July 2005.

RMAR and/or MLAR

Is your firm a personal investment firm (PIF) or a firm whose regulated activities include one or more of the following: mortgage lending; mortgage administration; mortgage mediation; insurance mediation; or retail investment activities?		NO	Complete and submit your reports using existing methods.
YES
Is your firm a PIF or undertakes the following regulated activities: insurance or mortgage mediation; or retail investment activities but does not carry out mortgage lending or mortgage administration activities?	YES	Complete and submit your RMAR half yearly using our online web return [generally] within 30 business days of the reporting period according to your ARD.
NO
Does your firm carry out mortgage lending and / or administration regulated activities but does not undertake the following regulated activities: insurance mediation; mortgage mediation; retail activities; or is classified as a PIF firm?	YES	Complete and submit your MLAR quarterly using our online web return within 30 business days of the reporting period according to your ARD.
NO
Do you carry on mortgage lending and/or administration in addition to mortgage and/or insurance mediation and/or retail investment activities?	YES	Complete and submit your MLAR quarterly using our online web return within 30 business days. And complete and submit your RMAR [generally] half yearly within 30 business days of the reporting period according to your ARD.

Notes to table

1. You may not be required to submit your standard complaints return if you:

   • are exempt from doing so under DISP 1.1.7R, where the firm does not do business, and has no reasonable likelihood of doing business with eligible complainants, having notified us of this in writing or;

   • have a valid waiver from the reporting requirements under DISP 1.5.4R.

2. You can find definitions for the words in bold in the Glossary to the FSA Handbook.

3. Firms whose regulated activities are not limited to: mortgage lending; mortgage administration; mortgage mediation; insurance mediation; or retail investment activities and carry out one or more of those activities, are subject to the RMAR and MLAR from 1 January 2007 (start reporting from 1 April 2007). Full details are available on the RMAR/MLAR phase two web pages.

4. From 6 April 2007 Retail Investment activities will also include SIPPS (Self Invested Personal Pensions). Please see PS 06/7 for more information. For reporting requirements see also page 87 of CP06/11 onwards.

5. From 1 October 2007 Mortgage lending, administration and mediation will also include Home Finance products. Please see PS 06/12 for more information. For reporting requirements see also page p46 of Handbook Notice 60 [PDF] onwards.

6. Firms that currently submit prudential data in returns other than the RMAR and MLAR should continue to do so.

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