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d90d6c0d-7d9c-478f-8d33-a1442433fb0f.xls Data item data definition Printed on 1/6/2011
Version: 1.2
Date: 07 October 2009
Based on: SUP 16 Annex 18AR (Supervision Handbook - RMAR Forms)
SUP 16 Annex 18BG (Supervision Handbook - RMAR Guidance)
RMAR Validation Rules
CP 07/17 (Consultation Paper proposing changes to this data item)
Reference Label XML Name Data Type Validation Error code Additional Information Alt. Ref
RMA-D1 Regulatory Capital RMA-D1-RegulatoryCapital
An attribute of the data item element, indicating
@currency LimCurr the ISO currency code applicable to all monetary
values in the data item, eg "GBP"
An attribute of the data item element, indicating
@units Units the units applicable to all monetary values in the
data item, eg "single"
Is the firm exempt from these capital requirements in
1 CapitalRequirementsExemption
relation to any of its retail mediation activities?
Conditional: mandatory if firm is a solo consolidated
subsidiary (non-BIPRU) and has RAG 9.2 permission
1A Mortage Mortgage YesNo ERR0050 RR0198
(Mortgage advising or arranging), otherwise must be
omitted
Conditional: mandatory if firm is a solo consolidated
subsidiary (non-BIPRU) and has RAG 9.1 permission (GI
1B Non-investment insurance NonInvestmentInsurance YesNo ERR0050 RR0199
advising, arranging, dealing or assisting), otherwise must
be omitted
Conditional: mandatory if firm has RAG 7 permission (RI
1C Retail investments RetailInvestments YesNo ERR0050 RR0200
advising or arranging), otherwise must be omitted
2A to 10A Mortgage and non-investment insurance RequirementsMortgageGI
This element does not appear on the form but is
2A to 5B ClientMoneyDependentRequirement
included to aid understanding of the XML
Firms required to submit 2A to 5B should either
2A, 3A, 5A Client Money ClientMoneyFirms submit 2A, 3A & 5A (if they hold client money) or
2B, 4B & 5B (if they do not hold client money).
Conditional: Mandatory if firm has permission to hold client ERR0050
money AND has RAG 9.1 or 9.2 permission (Mortgage
advising or arranging or GI advising, arranging, dealing or
assisting) AND 1A or 1B = "no" or blank, otherwise must be
2A Base requirement BaseRequirement MonPos RR0202
omitted.
Must represent either £10,000 or £50,000. If submitting in ERR0047
single GBP, the element must thus contain either "10000"
or "50000".
Conditional: Mandatory if firm has permission to hold client ERR0050
money AND has RAG 9.1 or 9.2 permission (Mortgage
3A 5% of annual income (firms holding client money) IncomeBasedMeasure MonPos advising or arranging or GI advising, arranging, dealing or RR0205
assisting) AND 1A or 1B = "no" or blank, otherwise must be
omitted.
Conditional: Mandatory if firm has permission to hold client ERR0050
money AND has RAG 9.1 or 9.2 permission (Mortgage
advising or arranging or GI advising, arranging, dealing or
5A Capital requirement (higher of above) CapitalRequirement MonPos assisting) AND 1A or 1B = "no" or blank, otherwise must be RR0207
omitted
If 2A >3A, then 5A = 2A ERR0050
Otherwise, 5A = 3A
Firms required to submit 2A to 5B should either
2B, 4B, 5B Non-client money NonClientMoneyFirms submit 2A, 3A & 5A (if they hold client money) or
2B, 4B & 5B (if they do not hold client money).
Conditional: Mandatory if firm does not have permission to ERR0050
hold client money AND has RAG 9.1 or 9.2 permission
(Mortgage advising or arranging or GI advising, arranging,
2B Base requirement BaseRequirement MonPos dealing or assisting) AND 1A or 1B = "no" or blank, RR0203
otherwise must be omitted.
Must represent £5,000. If submitting in single GBP, the ERR0020
element must thus contain "5000".
Conditional: Mandatory if firm does not have permission to ERR0050
hold client money AND has RAG 9.1 or 9.2 permission
4B 2.5% of annual income (firms not holding client money) IncomeBasedMeasure MonPos (Mortgage advising or arranging or GI advising, arranging, RR0206
dealing or assisting) AND 1A or 1B = "no" or blank,
otherwise must be omitted.
Page 1 of 5
d90d6c0d-7d9c-478f-8d33-a1442433fb0f.xls Data item data definition Printed on 1/6/2011
Reference Label XML Name Data Type Validation Error code Additional Information Alt. Ref
Conditional: Mandatory if firm does not have permission to ERR0050
hold client money AND has RAG 9.1 or 9.2 permission
(Mortgage advising or arranging or GI advising, arranging,
5B Capital requirement (higher of above) CapitalRequirement MonPos dealing or assisting) AND 1A or 1B = "no" or blank, RR0208
otherwise must be omitted.
If 2B > 4B, then 5B = 2B ERR0050
Otherwise, 5B = 4B
Conditional: Mandatory if firm has RAG 9.1 or 9.2 ERR0050
permission (Mortgage advising or arranging or GI advising,
6A Other FSA capital requirements (if applicable) OtherFSARequirements MonPos RR0210
arranging, dealing or assisting) AND 1A or 1B = "no" or
blank, otherwise must be omitted.
Conditional: Mandatory if firm has RAG 9.1 or 9.2 ERR0050
permission (Mortgage advising or arranging or GI advising,
7A Additional capital requirements for PII (if applicable) AdditionalPIIRequirements MonPos RR0211
arranging, dealing or assisting) AND 1A or 1B = "no" or
blank, otherwise must be omitted.
Conditional: Mandatory if firm has RAG 9.1 or 9.2 ERR0050
permission (Mortgage advising or arranging or GI advising,
arranging, dealing or assisting) AND 1A or 1B = "no" or
blank, otherwise must be omitted.
8A TOTAL CAPITAL REQUIREMENT TotalCapitalRequirment MonPos RR0212
If 5A submitted, then ERR0050
8A = 5A + 6A + 7A
Otherwise
8A = 5B + 6A + 7A
Conditional: Mandatory if firm has RAG 9.1 or 9.2 ERR0050
permission (Mortgage advising or arranging or GI advising,
9A TOTAL CAPITAL RESOURCES TotalCapitalResources MonPos RR0213
arranging, dealing or assisting) AND 1A or 1B = "no" or
blank, otherwise must be omitted.
Conditional: Mandatory if firm has RAG 9.1 or 9.2 ERR0050
permission (Mortgage advising or arranging or GI advising,
10A TOTAL CAPITAL EXCESS/DEFICIT TotalCapitalExcess Mon arranging, dealing or assisting) AND 1A or 1B = "no" or RR0214
blank, otherwise must be omitted.
10A = 9A - 8A ERR0010
IPRU(INV) requirements for personal investment firms
11A to 23A PIFRequirementsRetailInvestments
(retail investment activities only)
Conditional: Mandatory if firm is a personal investment firm, ERR0050
otherwise must be omitted.
Must be one of: ERR0047
"A1"
"A2"
11A Category of personal investment firm under IPRU(INV) PIFCategory List RR0215a
"A3"
"B1"
"B2"
"B3"
"B3 low resource"
This element does not appear on the form but is
12A to 17A OwnFundsRequirement
included to aid understanding of the XML
Conditional: Mandatory if firm is a personal investment firm, ERR0050
otherwise must be omitted.
12A Own funds requirement BaseRequirement MonPos RR0216
Must represent £10,000. If submitting in single GBP, the ERR0020
element must thus contain "10000".
Conditional: Mandatory if firm is a personal investment firm, ERR0050
13A Additional own funds requirement for PII (if applicable) AdditionalPIIRequirements MonPos RR0219
otherwise must be omitted.
Conditional: Mandatory if firm is a personal investment firm, ERR0050
14A Other FSA capital requirements (if applicable) OtherFSARequirements MonPos RR0219a
otherwise must be omitted.
Conditional: Mandatory if firm is a personal investment firm, ERR0050
15A Total own funds requirement TotalRequirement MonPos otherwise must be omitted.
15A = 12A + 13A + 14A ERR0030
Conditional: Mandatory if firm is a personal investment firm, ERR0050
16A Own funds OwnFunds MonPos RR0217
otherwise must be omitted.
Conditional: Mandatory if firm is a personal investment firm, ERR0050
17A Surplus/deficit of own funds Surplus Mon otherwise must be omitted. RR0218
17A = 16A - 15A ERR0010
This element does not appear on the form but is
18A to 20A NetCurrentAssetsRequirement
included to aid understanding of the XML
Conditional: Mandatory if firm is a personal investment firm ERR0050
18A Adjusted net current assets requirement (if applicable) Requirement MonPos and 11A is not "B3 low resource", otherwise must be RR0220
omitted.
Conditional: Mandatory if firm is a personal investment firm ERR0050
19A Adjusted net current assets (if applicable) AdjustedNetCurrentAssets Mon and 11A is not "B3 low resource", otherwise must be RR0221
omitted.
Page 2 of 5
d90d6c0d-7d9c-478f-8d33-a1442433fb0f.xls Data item data definition Printed on 1/6/2011
Reference Label XML Name Data Type Validation Error code Additional Information Alt. Ref
Conditional: Mandatory if firm is a personal investment firm ERR0050
and 11A is not "B3 low resource", otherwise must be
20A Surplus/deficit (if applicable) Surplus Mon RR0222
omitted.
20A = 19A - 18A ERR0010
This element does not appear on the form but is
21A to 23A ExpenditureBasedRequirement
included to aid understanding of the XML
Conditional: Mandatory if firm is a personal investment firm ERR0050
21A Expenditure based requirement (if applicable) Requirement MonPos and 11A is not "B3 low resource", otherwise must be RR0223
omitted.
Conditional: Mandatory if firm is a personal investment firm ERR0050
22A Adjusted Capital/liquid capital (if applicable) AdjustedCapital MonPos and 11A is not "B3 low resource", otherwise must be RR0224
omitted.
Conditional: Mandatory if firm is a personal investment firm ERR0050
and 11A is not "B3 low resource", otherwise must be
23A Surplus/deficit (if applicable) Surplus Mon RR0225
omitted.
23A = 22A - 21A ERR0010
24A to 39A Eligible capital (mortgage and non-investment insurance) EligibleCapitalMortgageGI
Firms required to submit 24A to 39A should
either submit 24A to 32A (if they are
24A to 32A Incorporated firms IncorporatedFirms
incorporated) or 33A to 39A (if they are
unincorporated or LLPs)
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
24A Share capital ShareCapital MonPos RR0228
or GI advising, arranging, dealing or assisting) AND 1A or
1B = "no" or blank, otherwise must be omitted
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
25A Reserves Reserves Mon RR0229
or GI advising, arranging, dealing or assisting) AND 1A or
1B = "no" or blank, otherwise must be omitted
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
26A Interim net profits InterimNetProfits MonPos RR323
or GI advising, arranging, dealing or assisting) AND 1A or
1B = "no" or blank, otherwise must be omitted
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
27A Revaluation reserves RevaluationReserves MonPos RR0233
or GI advising, arranging, dealing or assisting) AND 1A or
1B = "no" or blank, otherwise must be omitted
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
28A Eligible subordinated loans EligibleSubordinatedLoans MonPos RR0234
or GI advising, arranging, dealing or assisting) AND 1A or
1B = "no" or blank, otherwise must be omitted
This element does not appear on the form but is
29A to 31A Deductions
included to aid understanding of the XML
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
29A less Investments in own shares InvestmentsInOwnShares MonPos RR0235
or GI advising, arranging, dealing or assisting) AND 1A or
1B = "no" or blank, otherwise must be omitted
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
30A less Intangible assets IntangibleAssets MonPos RR0236
or GI advising, arranging, dealing or assisting) AND 1A or
1B = "no" or blank, otherwise must be omitted
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
31A less interim net losses InterimNetLosses MonPos RR0237
or GI advising, arranging, dealing or assisting) AND 1A or
1B = "no" or blank, otherwise must be omitted
ERR0050
Conditional: Mandatory if firm is Incorporated AND has
RAG 9.1 or 9.2 permission (Mortgage advising or arranging
or GI advising, arranging, dealing or assisting) AND 1A or
32A TOTAL CAPITAL RESOURCES TotalCapitalResources Mon RR0238
1B = "no" or blank, otherwise must be omitted.
32A=∑(24A to 28A) - ∑(29A to 31A)
ERR0010
If present, 32A = 9A
ERR0050
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d90d6c0d-7d9c-478f-8d33-a1442433fb0f.xls Data item data definition Printed on 1/6/2011
Reference Label XML Name Data Type Validation Error code Additional Information Alt. Ref
Firms required to submit 24A to 39A should
either submit 24A to 32A (if they are
33A to 39A Unincorporated firms and limited liability partnerships UnincorporatedFirms
incorporated) or 33A to 39A (if they are
unincorporated or LLPs)
Conditional: Mandatory if firm is not incorporated (or is an ERR0050
LLP) AND has RAG 9.1 or 9.2 permission (Mortgage
33A Capital of a sole trader or partnership SoleTraderPartnershipCapital Mon advising or arranging or GI advising, arranging, dealing or RR0240
assisting) AND 1A or 1B = "no" or blank otherwise must be
omitted
Conditional: Mandatory if firm is not incorporated (or is an ERR0050
LLP) AND has RAG 9.1 or 9.2 permission (Mortgage
34A Eligible subordinated loans EligibleSubordinatedLoans MonPos advising or arranging or GI advising, arranging, dealing or RR0245
assisting) AND 1A or 1B = "no" or blank otherwise must be
omitted
Conditional: Mandatory if firm is not incorporated (or is an ERR0050
LLP) AND has RAG 9.1 or 9.2 permission (Mortgage
35A Personal assets not needed to meet non-business liabilities PersonalAssets MonPos advising or arranging or GI advising, arranging, dealing or RR0246
assisting) AND 1A or 1B = "no" or blank otherwise must be
omitted
This element does not appear on the form but is
36A to 38A Deductions
included to aid understanding of the XML
Conditional: Mandatory if firm is not incorporated (or is an ERR0050
LLP) AND has RAG 9.1 or 9.2 permission (Mortgage
36A less Intangible assets IntangibleAssets MonPos advising or arranging or GI advising, arranging, dealing or RR0247
assisting) AND 1A or 1B = "no" or blank otherwise must be
omitted
Conditional: Mandatory if firm is not incorporated (or is an ERR0050
LLP) AND has RAG 9.1 or 9.2 permission (Mortgage
37A less interim net losses InterimNetLosses MonPos advising or arranging or GI advising, arranging, dealing or RR0248
assisting) AND 1A or 1B = "no" or blank otherwise must be
omitted
Conditional: Mandatory if firm is not incorporated (or is an ERR0050
LLP) AND has RAG 9.1 or 9.2 permission (Mortgage
less excess of drawings over profits for a sole trader or
38A ExcessDrawings MonPos advising or arranging or GI advising, arranging, dealing or RR0249
p'ship
assisting) AND 1A or 1B = "no" or blank otherwise must be
omitted
Conditional: Mandatory if firm is not incorporated (or is an ERR0050
LLP) AND has RAG 9.1 or 9.2 permission (Mortgage
advising or arranging or GI advising, arranging, dealing or
39A TOTAL CAPITAL RESOURCES TotalCapitalResources Mon assisting) AND 1A or 1B = "no" or blank otherwise must be RR0250
omitted.
39A=∑(33A to 35A) - ∑(36A to 38A) ERR0010
If present, 39A = 9A ERR0050
Page 4 of 5
d90d6c0d-7d9c-478f-8d33-a1442433fb0f.xls Handbook layout and sample data Printed on 1/6/2011
SECTION D1: Regulatory Capital A B C A
Non-investment Retail
Is the firm exempt from these capital requirements in Mortgage insurance investments
1 relation to any of its retail mediation activities?
Mortgage and non-investment insurance
Client money Non-client money Eligible capital (mortgage and non-investment insurance)
2 Base requirement 10000
3 5% of annual income (firms holding client money) 8500 Incorporated firms
4 2.5% of annual income (firms not holding client money)
24 Share capital 250000
5 Capital requirement (higher of above) 10000 25 Reserves 100000
26 Interim net profits 10000
6 Other FSA capital requirements (if applicable) 50000 27 Revaluation reserves 120000
7 Additional capital requirements for PII (if applicable) 1000 28 Eligible subordinated loans 1000
29 less Investments in own shares 20000
8 TOTAL CAPITAL REQUIREMENT 61000 30 less Intangible assets 100000
9 TOTAL CAPITAL RESOURCES 361000 See guidance 31 less interim net losses 0
10 TOTAL CAPITAL EXCESS/DEFICIT 300000 32 TOTAL CAPITAL RESOURCES 361000
IPRU(INV) requirements for personal investment firms (retail investment activities only) Unincorporated firms and limited liability partnerships
11 Category of personal investment firm under IPRU(INV) B1 A1 33 Capital of a sole trader or partnership
A2 34 Eligible subordinated loans
12 Own funds requirement 10000 A A3 35 Personal assets not needed to meet non-business liabilities
13 Additional own funds requirement for PII (if applicable) 1000 B1 36 less Intangible assets
14 Other FSA capital requirements (if applicable) 12000 B2 37 less interim net losses
15 Total own funds requirement 23000 B3 38 less excess of drawings over profits for a sole trader or p'ship
B3 low resource 39 TOTAL CAPITAL RESOURCES
16 Own funds 426000
17 Surplus/deficit of own funds 403000
D1
18 Adjusted net current assets requirement (if applicable) 10000 D D2
19 Adjusted net current assets (if applicable) 40000 E
20 Surplus/deficit (if applicable) 30000 F
21 Expenditure based requirement (if applicable) 30000 G
22 Adjusted Capital/liquid capital (if applicable) 301000 H
23 Surplus/deficit (if applicable) 271000 I
Page 5 of 6
