FinTech UK RegTech FCA GABRIEL Regulatory Reporting

FCA GABRIEL API Integration

FCA GABRIEL (Gathering Better Regulatory Information Electronically): the FCA's regulatory reporting portal.

GABRIEL API

• 1GABRIEL REST API (FCA provides API for programmatic submission of regulatory returns -- OAuth 2.0 authentication via FCA Connect),
• 2data items (each FCA-regulated firm has specific regulatory reporting obligations -- data items assigned by FCA based on firm permissions),
• 3reporting periods (quarterly, semi-annual, or annual depending on data item),
• 4submission validation (GABRIEL validates submissions against FCA business rules before accepting),
• 5submission history (previously submitted data available via API -- useful for year-on-year comparison).

FCA Connect

firm authentication portal -- ClickMasters RegTech uses FCA Connect OAuth 2.0 for firm-level API access.

SUP 16 Data Item Automation

FCA SUP 16 (Supervisory Chapter 16): specifies regulatory reporting requirements.

Key data items automated by ClickMasters

• 1FIN-A (financial resources return -- capital adequacy, liquidity),
• 2FIN-B (profit and loss account -- revenue, expenses),
• 3CCR (credit and counterparty risk for investment firms),
• 4MSB (Money Service Business -- transaction volumes by type),
• 5PSD001/PSD002 (Payment Services Directive returns -- payment volumes, safeguarding),
• 6COND (conduct metrics -- complaints, arrears for consumer credit).

Source data

ClickMasters integrates with firm accounting systems (Xero, QuickBooks, Sage -- via accounting API) and CRM/origination systems to extract data item inputs automatically.

FCA fees calculation

FCA annual fee depends on fee block and tariff data.

Fee blocks relevant to payment institutions and credit firms

A.2 (deposit acceptors), E.1 (consumer credit), CC.2 (mortgage intermediaries), IP.1 (payment institutions).

Tariff data

each fee block has specific tariff measure (e.g., CC.2 = credit broking income, IP.1 = payment transaction volumes).

ClickMasters automates

• 1tariff data extraction (credit income from Xero, payment volumes from transaction system),
• 2fee calculation (apply FCA tariff rates -- fee schedule updated annually in April),
• 3GABRIEL fees return (submit tariff data to GABRIEL -- FCA calculates fee),
• 4fee payment (BACS payment to FCA account).

FCA late submission penalty

• GBP250 per day -- automated submission reminder 14 days before deadline.
• Multi-

Firm SaaS Architecture for RegTech

Multi-firm

RegTech SaaS

each FCA-regulated client firm is a tenant.

Architecture

• 1firm onboarding (FCA Connect OAuth 2.0 per firm, data item schedule identified),
• 2data connections (accounting system API, CRM API -- per firm),
• 3automated data extraction (scheduled extraction 7 days before reporting deadline),
• 4data review dashboard (firm compliance officer reviews extracted data before submission),
• 5GABRIEL submission (firm approves -- ClickMasters submits via GABRIEL API -- submission receipt stored).

Compliance officer approval gate

ClickMasters does not submit without firm approval -- the firm remains legally responsible for the submission accuracy.

GDPR

each firm's data isolated by PostgreSQL RLS.