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You do not file directly with the regulator from Bumara. You prepare the filing, then request submission, and the Bumara compliance team lodges it on your behalf and returns the acknowledgement to your account. This is deliberate. Regulator portals are inconsistent, go down, change formats, and reject submissions for reasons that are not obvious. Having a trained team handle the lodgement means a rejection is dealt with by someone who has seen it before.

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Before you can submit

Three gates are checked at the moment you press the button:

Tasks

Every required task must be Done or Skipped. No task may be Blocked — including optional ones.

Documents

Every required document must be uploaded and attached to its requirement.

Payment

If a fee applies, it must be paid and verified. If no fee applies, this gate is skipped.
If any gate fails, nothing is submitted and Bumara lists exactly what is missing — the specific tasks, the specific documents, the payment status. You are never left guessing.

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Requesting submission

1

Confirm the filing is ready

The panel at the top of the filing or service request shows Ready for submission in green. If it shows an orange list instead, work through what it names.
2

Review the figures one last time

This is the last point at which you can change anything easily. Read the numbers being filed.
3

Press Request submission

Bumara re-checks the three gates, takes a permanent snapshot of the readiness state at that moment, and creates a submission job.
4

The status changes

The filing moves to Submission in progress and the panel changes to “Our team is processing this”.
Pressing the button twice does nothing harmful. If a submission is already in progress for that filing, Bumara returns the existing one rather than creating a duplicate.

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The readiness snapshot

At the moment you request submission, Bumara records exactly what the state was: which tasks were done, which documents were present, what the payment status was. This snapshot is permanent and cannot be edited. It is what proves that the filing genuinely was complete when it was submitted, even if records are changed afterwards.

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What happens next

1

Your request enters the queue

Submission jobs are queued by regulator. Urgent items — anything near a deadline, and anything ZRA-related — are prioritised.
2

A team member claims it

One person takes responsibility for your submission. This is recorded in your timeline.
3

They prepare and lodge it

Your figures and documents are transferred to the regulator’s format and lodged through their portal or process.
4

The acknowledgement is recorded

The regulator’s reference number and acknowledgement document are attached to your filing. Status moves to Submitted.
5

Acceptance is confirmed

Some regulators confirm immediately; others take days. When confirmation arrives, the filing reaches Accepted and you are notified.

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Tracking a submission

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If something goes wrong

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The regulator rejects it

The filing returns as Needs correction with the reason recorded.
1

Read the reason on the filing

Regulator rejection reasons are usually specific. Read the actual text rather than assuming.
2

Reopen the affected task

Correct the figure, replace the document, fix the detail.
3

Let the filing return to ready

It goes back to In progress, then to Ready for submission when the checklist is complete again.
4

Request submission again

The same route. The team’s notes from the first attempt travel with it.

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The team needs something from you

You receive a ticket — a structured request attached to that filing. Common types are a document request, a clarification, or a correction. Reply in the messages panel on the filing. See Messages and timeline. Until you reply, the submission is on hold. Tickets are the most common cause of a submission sitting still.

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The deadline is very close

Bumara prioritises by deadline, but nothing can be filed after a regulator’s cut-off. If you are requesting submission on the due date, say so in a message on the filing so it can be escalated.
Requesting submission on the last day is not a safe habit. Regulator portals are slowest and least reliable at deadline. Aim to be ready several days early — that is what the reminder settings are for.

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After acceptance

Once a filing reaches Accepted:
  • The acknowledgement is in your document vault, attached to the filing.
  • The filing’s documents are locked and cannot be changed.
  • The next period’s filing is created with its own due date.
  • The filing stays permanently in your records as evidence of compliance.

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What is not checked at submission

For clarity, two things are not treated as blockers at the point of requesting submission:
  • Authorised representative — an expired or missing authorisation does not stop you requesting submission, but it will stop the team lodging with regulators that require one. Keep it current.
  • Onward payment to the regulator — where Bumara pays a fee onward on your behalf, that happens as part of processing, not as a gate on your request.
Related: Paying fees and Authorised representative.
Last modified on August 4, 2026