If your business sells construction equipment or capital equipment, it likely falls under the High-Value Goods Dealer classification and is therefore an Accountable Institution under the Financial Intelligence Centre Act (FICA). That means the Financial Intelligence Centre’s (FIC's) newly issued Directive 11 requires you to complete and submit a Risk and Compliance Return (RCR) by July 31, 2026. If you are not sure if this applies to you, you can read more about High-Value Goods Dealers here to find out whether your business falls within this classification.