This is our latest guidance for the third reporting cycle for our APP fraud performance data requirements.
Please see the latest Cycle 3 timeline below.
What does this document contain and why are we publishing it?
This document sets out finalised reporting guidance for the second reporting cycle. It aims to help PSPs provide us with the correct data and any additional information that we may need.
This is to ensure that PSPs provide us with high quality information that is relevant and accurate, and that PSPs are consistent in the reporting of the data – both between PSPs and across the reporting periods.
Who should read this document?
The majority of this guidance is for PSPs who are required to report and publish APP scams data, under Specific Direction 18.
This document also provides general guidance to receiving PSPs, including sponsors, regarding the process that we want them to follow, relating to the collection and publication of performance data about APP scam funds received.
Updated Cycle 3 timeline
We have had to delay the timings and milestones set out previously in our reporting guidance. Please see below an updated version of the Cycle 3 timeline which takes into account the delay to the original timescales.
|
Step |
Action |
Timing |
|
1 |
We receive data from 14 directed sending PSPs on Metric A, B and C |
28 February 2025 |
|
2 |
We contact the 25 most significant receiving PSPs (and provide a breakdown of their results by each of the 14 sending PSPs) |
9 May 2024 |
|
3 |
Deadline for receiving PSPs to check data and request breakdowns from sending PSPs |
6 June 2025 |
|
4 |
Deadline for sending PSPs to provide breakdown of scams at transaction level to receiving PSPs and at sort code level to sponsor PSPs |
26 June 2025 |
|
5 |
Deadline for sponsor PSPs to submit provisional disaggregated indirect PSP data to us |
16 July 2025 |
|
6 |
Deadline for receiving PSPs to review detailed breakdown and submit requests for revision to sending PSPs |
22 July 2025 |
|
7 |
We notify specified indirect receiving PSPs of their inclusion in the Metric C process and deadline for sponsor PSPs to provide transactional breakdowns to these indirect PSPs |
28 July 2025 |
|
8 |
Deadline for indirect PSPs to review detailed breakdown and submit requests for revision to sending PSPs |
26 August 2025 |
|
9 |
Sending PSPs consider requests for revisions, re-submit revised data to us, and communicate changes made at the transaction level to the receiving PSPs especially to sponsor banks |
26 September2025 |
|
10 |
Sponsor PSPs may submit final disaggregated indirect PSP data to us, incorporating any changes made by sending banks |
16 October 2025 |
|
11 |
We review the data, prudential considerations, and prepare publication formats as well as inform the specified receiving PSPs whose data will be published in our report |
December 2025 |
Supplementary Files
-
PSR APP Scams M1 Cycle 3 Data Collection Template for Sending PSPs
xlsx | 1.3 MB
-
PSR APP Scams M1 Cycle 3 Data Disaggregation Template for Sponsors and IAPs
xlsx | 198.5 KB
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PSR APP Scams M1 Cycle 3 Data Fields Template for Sending PSPs to send info to Receiving PSPs
xlsx | 66 KB
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PSR APP Scams M1 Cycle 3 Sortcode Level Breakdown Template for transactions sent to Sponsor PSPs
xlsx | 12.4 MB