BaFin-Lizenzverstöße bei Kreditvermittlung
Definition
Loan submission processes qualify as licensable banking business under German law, requiring prior BaFin authorization. Non-compliance during manual submissions to wholesale lenders triggers regulatory penalties.
Key Findings
- Financial Impact: €5,000-€500,000 fine per violation; license revocation costs €100,000+ in lost revenue
- Frequency: Per unauthorized submission or audit discovery
- Root Cause: Manual submissions without automated BaFin license status verification
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Loan Brokers.
Affected Stakeholders
Loan Broker Owner, Compliance Officer, Operations Manager
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
GoBD-Verstöße bei digitaler Darlegung
Manuelle Dokumentensammlung Verzögerungen
Fehlende Wholesale Lender Guidelines Einhaltung
Verzögerte Zahlungen durch manuelle Nachverfolgung
BaFin-Strafen bei fehlender Kreditvergaberezensur
GoBD-Verstöße in Rechnungs- und Aktenarchivierung
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