Bußgelder für unzulässige Kreditvermittlung
Definition
Loan brokers must hold licenses under § 34i GewO for real estate loans and § 34c GewO for other loans, including creditworthiness assessments. Non-compliance results in fines as administrative offenses. CCD2 implementation mandates stricter creditworthiness checks, increasing non-compliance risks.
Key Findings
- Financial Impact: €5,000-50,000 fine per violation (typical range for administrative offenses under GewO)
- Frequency: Per incident, ongoing until licensed
- Root Cause: Manual processes lack automated license and compliance checks before credit pulls
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Loan Brokers.
Affected Stakeholders
Broker Owners, Compliance Managers, Credit Analysts
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.
Evidence Sources:
Related Business Risks
Strengere Bonitätsprüfungen nach CCD2
Fehlentscheidungen durch unvollständige Bonitätsprüfungen
Verzögerte Zahlungen durch manuelle Nachverfolgung
BaFin-Strafen bei fehlender Kreditvergaberezensur
GoBD-Verstöße in Rechnungs- und Aktenarchivierung
Verzögerte Forderungseinzug durch Aktenblockaden
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