Strengere Bonitätsprüfungen nach CCD2
Definition
New rules under CCD2 require mandatory stricter creditworthiness checks and relief measures for hardship cases, bringing BNPL and similar under full consumer credit regulation. Failure exposes brokers to fines and supervisory actions.
Key Findings
- Financial Impact: €10,000-100,000 penalties per non-compliant assessment (BaFin enforcement range)
- Frequency: Per non-compliant credit pull
- Root Cause: Manual preliminary analysis misses enhanced CCD2 requirements
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Loan Brokers.
Affected Stakeholders
Loan Brokers, Credit Analysts, Managers
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
Bußgelder für unzulässige Kreditvermittlung
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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