🇩🇪Germany

Provisionsverteilungsverstöße und Bußgelder

2 verified sources

Definition

Since the implementation of the Provision-Splitting Law (Maklerprovisions-Teilungsgesetz) on December 24, 2020, real estate and loan brokers must disclose fees transparently and split commissions equally between buyer/lender and seller/borrower. Brokers who fail to comply face: (1) administrative fines for unlawful fee structures, (2) forced reimbursement of illegally collected fees, and (3) license suspension. Manual tracking of split calculations, disclosure forms, and audit trails increases error rates.

Key Findings

  • Financial Impact: €5,000–€50,000 per year in fines + forced reimbursement of improperly collected fees (typically 10–30% of annual commission revenue for brokers with poor compliance processes)
  • Frequency: Continuous exposure; triggered on every loan brokerage transaction.
  • Root Cause: Absence of automated fee-split calculation and disclosure workflows; manual Excel-based tracking creates errors in commission allocation; brokers unaware of post-2020 law requirements.

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Loan Brokers.

Affected Stakeholders

Loan Brokers (Darlehensmaklern), Real Estate Brokers (Immobilienmakler), Compliance Officers, Finance & Accounting

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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

Ungültige Provisionsvereinbarungen und Rückforderungen

€10,000–€200,000+ per broker in forced reimbursements; typical claims: €500–€5,000 per affected loan transaction

Fehlende Lizenzierung und Gewerbeaufsichtsstrafen

€5,000–€50,000 per administrative fine; operational shutdown = 100% revenue loss until compliance restored (typically 30–90 days)

Unbelegter Provisionsanspruch und Nachweispflicht-Risiko

5–15% of annual commission revenue lost to unenforceable or disputed claims (typical broker: €50,000–€150,000 annual revenue loss per 100 transactions)

Unvollständige Provisionsoffenlegung und Interessenskollisionen

€5,000–€30,000 per dispute in legal fees and settlement costs; 2–5% customer churn due to trust loss

Verzögerte Zahlungen durch manuelle Nachverfolgung

30-60 Tage höhere Forderungszeiten; 1-3% revenue drag

BaFin-Strafen bei fehlender Kreditvergaberezensur

€10,000-€500,000 pro Verstoß (typische BaFin-Sanktionen bei Lizenz-/Dokumentationsmängeln)

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