How do estate agencies submit the 2026 RCR?

The process is electronic.

This is not a PDF that you upload to the RMCP submission area.

The RCR is completed as an online questionnaire.

The PPRA’s official June 2026 notice gives estate agencies the following submission process.

Step 1  –  Confirm your FIC registration

Before you can submit the RCR, the accountable institution must be correctly registered with the FIC.

You need the agency’s FIC-issued goAML Organisation ID  –  Org ID.

PCC 60 makes it clear that the Org ID is a prerequisite for submission.

Do not enter:

• a personal ID number;

• the CIPC registration number; or

• another reference number.

The RCR requires the FIC-generated Org ID.

Step 2  –  Confirm the correct person will submit

The person registered with the FIC as the estate agency’s compliance officer should complete the submission on behalf of the accountable institution.

Make sure the relevant goAML user details and registration information are current before starting.

Step 3  –  Go to the FIC RCR platform

Go to the FIC website and access the 2026 Risk and Compliance Return section, or use the dedicated RCR platform:

rcr.fic.gov.za

The PPRA’s guidance directs estate agencies to:

1. open the FIC website;

2. select the 2026 RCR submission section;

3. download the sample questionnaire;

4. gather the information required; and

5. select the submission link to enter the online system.

Step 4  –  Download the questionnaire before you start

Do not try to work out the answers while clicking through the live form.

Download the sample questionnaire first.

Then gather the information required for all three reporting periods.

This is particularly important because the return asks about actual business activity and compliance implementation over several years.

Your preparation may require information relating to:

• client numbers;

• client risk classifications;

• legal-person clients;

• beneficial ownership;

• PEP/PIP exposure;

• transaction activity;

• reporting;

• TFS screening;

• training;

• RMCP implementation; and

• internal compliance controls.

The exact questions should be taken from the current FIC questionnaire rather than guessed.

Step 5  –  Make sure your answers agree with your RMCP

This is one of the most important checks.

Before submitting, ask:

Does what we say in our RCR agree with what our RMCP says we do?

For example:

If your RMCP says every client is risk-rated, your RCR should not reveal that risk assessment is not occurring.

If the RMCP says sanctions screening is performed, the business should be able to produce screening evidence.

If the RMCP identifies a particular compliance officer or governance structure, your FIC registration information should be consistent.

The objective is not to manufacture matching answers.

It is to identify inconsistencies and correct the underlying compliance process.

Step 6  –  Save as you work

The FIC permits the online RCR to be saved while it is being completed.

You do not have to finish it in one sitting.

PCC 60 specifically encourages institutions to use the save functionality so that the return can be completed across several sessions if necessary.

That is particularly useful for an estate agency where information may need to be obtained from the principal, bookkeeper, compliance officer or administrative team.

Step 7  –  Review everything before pressing submit

This is critical.

Once the 2026 RCR has been submitted, it cannot simply be edited and resubmitted because someone later discovers an incorrect answer.

The FIC requires institutions to review their responses for:

• adequacy;

• accuracy;

• completeness; and

• correctness

before final submission.

If an institution later discovers that incorrect information was submitted, PCC 60 provides for a written compliance query to the FIC.

So:

Review first. Submit second.

Step 8  –  Submit and retain evidence

After successful submission, the system should display the questionnaire as submitted.

Do not stop there.

Retain evidence.

Your compliance file should contain, at minimum:

• the Org ID used;

• the date of submission;

• the completed return or available submission record;

• screenshots or confirmation evidence;

• the person who submitted it; and

• any FIC correspondence associated with the submission.

That turns:

“I think we submitted it”

into:

“Here is the evidence that it was submitted.”

What if we missed the 31 July deadline?

Do not ignore it.

And do not wait until the RMCP submission on 31 October.

The obligation is separate.

Historically, the FIC has kept RCR submission channels available after earlier deadlines and has specifically told institutions with outstanding returns to remedy the non-compliance.

For the 2026 RCR, however, an agency should confirm the current submission status directly through the FIC RCR platform.

If the system permits you to complete the outstanding 2026 RCR:

Complete it immediately.

If you cannot access the return or are uncertain how to remedy the missed deadline:

Do not leave the matter unresolved.

Contact the FIC Compliance Contact Centre or submit a compliance query through the FIC website.

PCC 60 provides the FIC Compliance Contact Centre number as:

012 641 6000  –  option 1.

The appropriate approach is:

identify → remediate → retain evidence → close.

Not:

ignore → hope → wait.