Compliance & Regulation
A Rigorous Regulatory Framework
Alpen Kredit Group operates under strict regulatory oversight in 12 European countries. Our practices meet the highest standards of the financial industry.
Regulatory Frameworks
Our activities are governed by the main European regulatory references.
BaFin (Germany)
Our credit brokering activities in Germany are carried out in accordance with § 34i GewO (residential mortgage credit) and the obligations applicable to consumer credit intermediaries.
ACPR (France)
Our activities in France comply with the obligations applicable to Intermediaries in Banking Operations and Payment Services (IOBSP) — Articles L.519-1 et seq. of the Monetary and Financial Code.
AMLD5 & AMLD6
Application of the 5th and 6th EU Anti-Money Laundering Directives. Documented KYC procedures, transaction monitoring, reports to the competent FIUs.
MCD Directive 2014/17/EU
Compliance with the EU Mortgage Credit Directive, transposed into the national laws of our operating markets.
DORA
Digital operational resilience: IT risk management, incident management, resilience testing and oversight of critical third-party providers.
GDPR / BDSG
Personal data processing in accordance with Regulation (EU) 2016/679 and the Federal Data Protection Act. Appointed DPO, up-to-date records of processing activities.
Our Principles
Four non-negotiable values guiding every decision we make.
Transparency
All terms and fees are disclosed before any signature. No hidden clauses.
Independence
Our analysts operate free from commercial pressure. Client interest always comes first.
Traceability
Every decision is documented and archived for 10 years in accordance with legal requirements.
Confidentiality
Client data is never sold or shared with third parties without explicit consent.
Whistleblowing & Reporting
Any person (client, employee, third party) can anonymously report a non-compliant practice via our dedicated channel. Each report is handled confidentially with a response within 30 days.
info@alpen-kredit.comQuestions about our compliance?
Our legal team is available to answer your questions.