BaFin-Strafen bei fehlender Kreditvergaberezensur
Definition
Loan brokers handling condition clearing and file management face heightened BaFin scrutiny under KWG for incomplete creditworthiness documentation, leading to fines during tax audits or licensing reviews.
Key Findings
- Financial Impact: €10,000-€500,000 pro Verstoß (typische BaFin-Sanktionen bei Lizenz-/Dokumentationsmängeln)
- Frequency: Bei Betriebsprüfung oder Lizenzprüfung (jährlich für aktive Broker)
- Root Cause: Manuelle Aktenpflege verursacht Lücken in Kreditdateien, verstößt gegen § 25a KWG
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Loan Brokers.
Affected Stakeholders
Geschäftsführer, Compliance Officer, Kreditprüfer
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 in Rechnungs- und Aktenarchivierung
Verzögerte Forderungseinzug durch Aktenblockaden
Verzögerte Zahlungen durch manuelle Nachverfolgung
Kapazitätsverluste durch manuelle Kreditsuche
BaFin-Strafen bei fehlender KYC bei Funding-Verifikation
Verzögerte Auszahlung durch manuelle Funding-Verifikation
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