Bußgelder bei fehlender Erlaubnis für Darlehensvermittlung
Definition
Post-close audits and file retention for loan brokerage require licensing under § 34i GewO. Operating without permit or failing to register intermediaries results in fines. Manual processes increase audit risks during Betriebsprüfung.
Key Findings
- Financial Impact: €5,000 - €50,000 fine per administrative offense
- Frequency: Per violation or audit finding
- Root Cause: Manual file retention without automated license/compliance verification
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Loan Brokers.
Affected Stakeholders
Geschäftsführer, Vermittler, Buchhalter
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 Aktenaufbewahrung
Sachbearbeiterhaftung bei unvollständigen Post-Close Prüfungen
Verzögerte Zahlungen durch manuelle Nachverfolgung
BaFin-Strafen bei fehlender Kreditvergaberezensur
GoBD-Verstöße in Rechnungs- und Aktenarchivierung
Verzögerte Forderungseinzug durch Aktenblockaden
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